100% Free Credit Report

If you want to get 100% free credit report from the three major credit reporting agencies, you need to visit AnnualCreditReport.com. It is a government-regulated website that maintains the three credit reporting agencies. The federal law entitles everyone to get one free credit report every 12 months from each of them.

When you request your credit files from the website, you will be provided with an option to get the reports over a period of several months separately or all at once. While some people get  a single credit report to check their credit files, experts recommend that getting 100% free credit report all at once and signing up for a good credit monitoring service  is a better option.

Signing up on a good credit monitoring service allows you to keep track of the three credit bureaus so that you will be alerted on any activities that are reflected on your credit files which include opening of new accounts, late payments or even inquiries. Below are other advantages why you need to get all three credit reports at once.

Faster Resolution for Errors

If there are errors on your credit report, you need to correct the errors fast. If you get all your credit reports, you will be able to immediately tell which one of the credit files has errors thus allowing you to make dispute to correct the errors.  Now if you get the credit report in a staggered manner, you won’t be able to notice the errors.

See Clear Discrepancies

Getting 100% free credit report all at once will allow you to gain clarity into different discrepancies that are contained on your credit files. Remember that financial institutions do not necessarily send information to all three credit reporting agencies thus getting all three credit reports allow you to compare the files.

Better View on Credit Standing

Another advantage of getting free credit report all at once allows you to get a comprehensive view of your credit standing.  When banks evaluate you for a loan or credit application, they need to check your credit report to get a good view on your credit standing.  You can get a free credit report from all 3 agencies. Through this you will have a clue on your average credit score.

So if you want to get a good picture of what your credit score is all about, make sure that you get 100% free credit report from all bureaus.