There are many different web sites available that will offer you the opportunity to get an official credit report. Simply put, many of these are fraudulent web sites and just want visitors and traffic to their web sites. They do not really offer what they state in their advertisements. In reality, the only true official credit report web sites are those of the three major credit report agencies, TransUnion, Equifax, and Experian. You can obtain 3 free online credit reports with score, from any of these reporting agencies.
A yearly government credit report can help you in a variety of ways and you can obtain one from any company by signing up for a 30-day free trial. After the trial expires you will be required to pay a fee for membership. There are not any totally free credit report web sites available on the internet due to the laws in the United States. You can receive 3 free online credit reports with score from each of the three major credit-reporting companies, though. The only way to get further credit reports, other than the yearly government credit report, is to prove you have been the victim of identity fraud.
If you are one looking for a completely free credit report, you will have a hard time finding one, the reason is that most will require payment after the 30-day trial period has ended. More than 14 million people nationwide have taken advantage of 3 free online credit reports with score and the trend does not seem to be slowing down. Having a copy of your credit report will help you determine if you are a victim of identity fraud or have any type of errors on your credit report that could be harming your credit rating.
If you do run across any errors on any of your 3 free online credit reports with score, you should immediately report it to the corresponding agency. Take advantage of your yearly government credit report.
