Obtaining A Cheap Credit Report
You are worried about your credit report and would like to see it? But are afraid that the cost will be too high .so you have never bothered looking at your options for seeing a credit report? You would prefer to find a cheap way to see your credit report?
That is not unusual. Some people do not even know that they can get access to their credit report, let alone see it for a cheap fee. It is a lot easier than you probably think, and surprisingly cheap. In fact, if you only want to see your report once, maybe on an annual basis, then it may not be cheap at all, but free. The end result is the same and it is better for your finances if your credit report is free.
Cheap Credit Report Sources
If you are looking for a relatively cheap and regular look at your credit report, the service at Free Credit Report is worth having a look at:
http://www.freecreditreport.com/
With Free Credit Report .com you are currently (May 2005) offered a free trial of their monthly service, so that is less than cheap. By engaging in the free trial, you are able to request a free copy of your Experian credit report. If you then decide you want to monitor your credit report over the ensuing months, you may then subscribe to their monthly service, which is itself cheap. You need to judge whether the cheap monthly cost would be worth your while. However, if it is just a one off credit report that you need, you may take advantage of their free credit report offer.
It is a sensible thing to do, to regularly monitor your credit report, especially if there's a good chance of you making a major loan application within the next year, or are trying to repair your credit.
A similar service to Free Credit Report .com can be found at:
Free Credit Report Under Federal
Under a recent federal law, US citizens may be entitled to an annual free credit report. Not cheap, free!
Free Credit Report UK
Both of the above services are for the US. If you live in the UK, an equivalent free credit report offer can be found at:
http://www.creditexpert.co.uk/
See also: Understanding Your Free Credit
Report
