Are You Wondering “Where Can I Get My Free Credit Report”?
Posted in Credit on 07/25/2009 09:06 pm by
Andy Zain asked:
In a good economy and with good credit, buying a car or even getting a simple store credit card is usually simple. In a bad economy, it can be a nightmare. With only a few issues on your report, you may not get the credit you need or want. You need to know what these reports are in fact saying about you. If you’re worrying about “how can I find my free credit report online” – don’t!
You can’t wait too long, though. Standing in the showroom taking pictures of your new car is not the time to find out you can’t get the loan approved. Find out ahead of time whether or not your new car is a dream or reality.
Almost all states will provide you with one free credit report each year. However, in order to get your free credit report you must fill out specific information online and then wait for the report to be mailed out to you. This could take up to three weeks.
Options exist, however. If time is of the essence, you might want to consider registering for a free trial with one of the online companies that provides free credit reports. Considering all you really need to do is to see your credit report and check for misinformation, these free trials are a great option.
If all you want is your credit report, why would you buy a monthly membership? They are hoping the additional services they offer will entice you to stay and continue paying.
If you really have no need for these other services, and all you wanted to see the credit report, you can cancel before your trial period expires. Since they bank on having people not cancel early enough, they want to make it as difficult as possible. You may get nowhere on the phone, and your emails might get ignored.
So what happens? You may get charged for the first month. If you do, and if the company or credit bureau won’t refund your money, go directly to your credit card company and explain the problem. Provide them with copies of emails you sent along with a copy of the free trial period information on their website. Most credit card companies will see to it that you receive a credit if you can prove to them you attempted to cancel within the allotted timeframe.
Dolores
In a good economy and with good credit, buying a car or even getting a simple store credit card is usually simple. In a bad economy, it can be a nightmare. With only a few issues on your report, you may not get the credit you need or want. You need to know what these reports are in fact saying about you. If you’re worrying about “how can I find my free credit report online” – don’t!
You can’t wait too long, though. Standing in the showroom taking pictures of your new car is not the time to find out you can’t get the loan approved. Find out ahead of time whether or not your new car is a dream or reality.
Almost all states will provide you with one free credit report each year. However, in order to get your free credit report you must fill out specific information online and then wait for the report to be mailed out to you. This could take up to three weeks.
Options exist, however. If time is of the essence, you might want to consider registering for a free trial with one of the online companies that provides free credit reports. Considering all you really need to do is to see your credit report and check for misinformation, these free trials are a great option.
If all you want is your credit report, why would you buy a monthly membership? They are hoping the additional services they offer will entice you to stay and continue paying.
If you really have no need for these other services, and all you wanted to see the credit report, you can cancel before your trial period expires. Since they bank on having people not cancel early enough, they want to make it as difficult as possible. You may get nowhere on the phone, and your emails might get ignored.
So what happens? You may get charged for the first month. If you do, and if the company or credit bureau won’t refund your money, go directly to your credit card company and explain the problem. Provide them with copies of emails you sent along with a copy of the free trial period information on their website. Most credit card companies will see to it that you receive a credit if you can prove to them you attempted to cancel within the allotted timeframe.
Dolores