Free Annual Credit Reports & Score Tips » 3 Free Credit Reports http://free-credit-reports-annual.com Free annual credit report tips and how to get your free credit score (FICO or comparable) without spending a dime Sun, 25 Jul 2010 16:34:58 +0000 en hourly 1 http://wordpress.org/?v=3.0 How do I find out about free credit reports? http://free-credit-reports-annual.com/free-credit-reports/how-do-i-find-out-about-free-credit-reports/ http://free-credit-reports-annual.com/free-credit-reports/how-do-i-find-out-about-free-credit-reports/#comments Mon, 19 Apr 2010 01:17:58 +0000 cyberandy http://free-credit-reports-annual.com/217/how-do-i-find-out-about-free-credit-reports/ free credit reports
jaunita asked:

How do I find out about free credit reports?

]]> http://free-credit-reports-annual.com/free-credit-reports/how-do-i-find-out-about-free-credit-reports/feed/ 0 3 Credit Report from the Big 3 http://free-credit-reports-annual.com/free-credit-reports/3-credit-report-from-the-big-3/ http://free-credit-reports-annual.com/free-credit-reports/3-credit-report-from-the-big-3/#comments Sun, 21 Mar 2010 01:27:11 +0000 cyberandy http://free-credit-reports-annual.com/?p=288 Whoever you are or whatever financial situation you are in, getting a 3 credit report can be useful for a variety of reasons. There are three major credit reporting agencies: Experian, Equifax, and TransUnion, and each of them has their own information about your credit, so to get a good credit report, you have to use all 3. Fortunately, you can get a 3 credit report for about $24, and this will tell you all you need to know about your credit.

Many institutions need to know your 3 credit report before they will approve of you, and so knowing your credit record can give you a heads up on your chances of receiving all kinds of services. For example, a home loan will not be given if you have a bad credit score, and neither will insurance, a credit card with a low apr, or some times even a lease on a house of car. So knowing your 3 credit report can be a short cut to save you time applying to services which you won’t receive.

Another thing about knowing your 3 credit report score is that it can show you if someone has been defrauding you or stealing your identity. If, for example, someone has been getting accounts in your name and not telling you or paying them, they will show up on your 3 credit reports as a bad score. This will let you take appropriate legal action to get them removed from your record and to get the guy who did it by calling the cops.

Getting the bad fraud charges off of your 3 credit report score can be a major hassle. Once my mon had serious charges on her 3 credit report because someone was filling for a cellphone using her name from Detroit, and the company would not believe it was not her, even though it was a different residence. To get them to believe it, she had to produce several pieces of identity and mail, as well as her home title to show where she was living. They would not believe that he address was what she said it was until she showed them lots of proof. What a hassle.

There are many ways you can improve your credit score. One of them is to own credit cards and regularly pay off your payments to show that you are reliable and can bbe trusted with credit. If you regularly pay off your balance, and are on time with gas, phone, electric, and utility bills, this also can help. In the long run, it is worth it for you to keep your credit good, because it means you qualify for better interest rates, bigger lines of credit, and all kinds of other financial benefits that you wouldn’t have otherwise. Really, it’s easy and you’ve got nothing to lose.

Get you free, 3 credit reports for free from annualcreditreport.com now if you haven’t!

]]> http://free-credit-reports-annual.com/free-credit-reports/3-credit-report-from-the-big-3/feed/ 0 How can we get the free credit reports online? http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online/ http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online/#comments Sat, 20 Mar 2010 22:42:24 +0000 cyberandy http://free-credit-reports-annual.com/241/how-can-we-get-the-free-credit-reports-online/ free credit reports
chery asked:

How can I get a truly free credit report online?

]]> http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online/feed/ 0 What’s the deal with free credit reports? http://free-credit-reports-annual.com/free-credit-reports/whats-the-deal-with-free-credit-reports/ http://free-credit-reports-annual.com/free-credit-reports/whats-the-deal-with-free-credit-reports/#comments Tue, 02 Feb 2010 05:15:29 +0000 cyberandy http://free-credit-reports-annual.com/245/whats-the-deal-with-free-credit-reports/ free credit reports
dude asked:

I would like to get a free credit report but I’m leary of putting my financial info on the net. – which service is best to use and is it actually free? Most important, is it safe?

]]> http://free-credit-reports-annual.com/free-credit-reports/whats-the-deal-with-free-credit-reports/feed/ 1 How can we get the free credit reports online? where’s the official site? http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online-wheres-the-official-site/ http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online-wheres-the-official-site/#comments Thu, 14 Jan 2010 08:36:09 +0000 cyberandy http://free-credit-reports-annual.com/247/how-can-we-get-the-free-credit-reports-online-wheres-the-official-site/ free credit reports
shae asked:

Is there any way possible to get a totally free credit report online with no strings attached?

]]> http://free-credit-reports-annual.com/free-credit-reports/how-can-we-get-the-free-credit-reports-online-wheres-the-official-site/feed/ 2 Why can’t we see our credit reports for free? http://free-credit-reports-annual.com/free-credit-reports/why-cant-we-see-our-credit-reports-for-free/ http://free-credit-reports-annual.com/free-credit-reports/why-cant-we-see-our-credit-reports-for-free/#comments Fri, 08 Jan 2010 16:49:35 +0000 cyberandy http://free-credit-reports-annual.com/237/why-cant-we-see-our-credit-reports-for-free/ free credit reports
Jess. asked:

I know the free credit report sites are advertised, but even those you have to pay for in the long run. Why aren’t we entitled to see our reports for free?

]]> http://free-credit-reports-annual.com/free-credit-reports/why-cant-we-see-our-credit-reports-for-free/feed/ 3 What is the website for once a year free credit reports from the 3 agencies? http://free-credit-reports-annual.com/free-credit-reports/what-is-the-website-for-once-a-year-free-credit-reports-from-the-3-agencies/ http://free-credit-reports-annual.com/free-credit-reports/what-is-the-website-for-once-a-year-free-credit-reports-from-the-3-agencies/#comments Tue, 05 Jan 2010 16:09:16 +0000 cyberandy http://free-credit-reports-annual.com/211/what-is-the-website-for-once-a-year-free-credit-reports-from-the-3-agencies/ free credit reports
gnateleeagain asked:

I wish to pull up all three of my credit reports and I know that there is one site that allows you to pull up your complete credit report from all three reporting agencies and it is allowed just once a year for free. Please give me the exact site. Thanks!

]]> http://free-credit-reports-annual.com/free-credit-reports/what-is-the-website-for-once-a-year-free-credit-reports-from-the-3-agencies/feed/ 5 Isn’t it false advertising to offer free credit reports and then charge your credit card from them and their *? http://free-credit-reports-annual.com/free-credit-reports/isnt-it-false-advertising-to-offer-free-credit-reports-and-then-charge-your-credit-card-from-them-and-their/ http://free-credit-reports-annual.com/free-credit-reports/isnt-it-false-advertising-to-offer-free-credit-reports-and-then-charge-your-credit-card-from-them-and-their/#comments Sat, 02 Jan 2010 06:16:02 +0000 cyberandy http://free-credit-reports-annual.com/221/isnt-it-false-advertising-to-offer-free-credit-reports-and-then-charge-your-credit-card-from-them-and-their/ free credit reports
Jerry W asked:

How can they advertise free credit reports then charge you for it? Isn’t that illegal?

]]> http://free-credit-reports-annual.com/free-credit-reports/isnt-it-false-advertising-to-offer-free-credit-reports-and-then-charge-your-credit-card-from-them-and-their/feed/ 2 Are there any websites that really offer FREE credit reports? http://free-credit-reports-annual.com/free-credit-reports/are-there-any-websites-that-really-offer-free-credit-reports/ http://free-credit-reports-annual.com/free-credit-reports/are-there-any-websites-that-really-offer-free-credit-reports/#comments Wed, 16 Dec 2009 06:21:15 +0000 cyberandy http://free-credit-reports-annual.com/233/are-there-any-websites-that-really-offer-free-credit-reports/ free credit reports
asked:

Are there any websites that really offer FREE credit reports?

]]> http://free-credit-reports-annual.com/free-credit-reports/are-there-any-websites-that-really-offer-free-credit-reports/feed/ 3 How do I get a credit report from one of these so called Free Credit Reports if I don’t have money? http://free-credit-reports-annual.com/free-credit-reports/how-do-i-get-a-credit-report-from-one-of-these-so-called-free-credit-reports-if-i-dont-have-money/ http://free-credit-reports-annual.com/free-credit-reports/how-do-i-get-a-credit-report-from-one-of-these-so-called-free-credit-reports-if-i-dont-have-money/#comments Sat, 12 Dec 2009 06:56:14 +0000 cyberandy http://free-credit-reports-annual.com/223/how-do-i-get-a-credit-report-from-one-of-these-so-called-free-credit-reports-if-i-dont-have-money/ free credit reports
bong asked:

How do I get a credit report from one of these so called Free Credit Reports if I don’t have money?

]]> http://free-credit-reports-annual.com/free-credit-reports/how-do-i-get-a-credit-report-from-one-of-these-so-called-free-credit-reports-if-i-dont-have-money/feed/ 4