Home: Free credit report :: absolutely free credit report no trial, credit monitoring

Get Your Absolutely Free Credit Report, No Trial!

Having a good credit report is almost a necessity these days and many companies are taking advantage of this, stating that consumers can avail of free credit reports from their web sites – upon enrollment in a trial credit monitoring program. However, there are sites where you can get an absolutely free credit report, no trial. You really don’t need to pay anything and best of all, these sites are one hundred percent legal and very easy to access.

Financial experts advise consumers to review their credit reports once in a while to guard against fraud and to correct any errors. Indeed, figures show that as much as 70 percent of credit reports contain an error of some kind. Another reason why it is so desirable to get an absolutely free credit report, no trial is that it has become a lot easier to do so. Under the 2003 Fair Credit Reporting Act (FCRA), consumers, at their own request, are entitled to a free credit report every 12 months from the nation’s biggest credit reporting agencies: TransUnion, Experian, and Equifax. These agencies have several ways through which consumers can ask for a copy of their credit report: through a centralized web site, a postal mailing address, and a toll-free telephone number.

There are numerous companies that do offer “free” credit reports, but as mentioned earlier, these are tied up with their for-pay credit monitoring programs. It works like this: you sign up for a 30-day free trial membership in the program, which entitles you to a three-in-one credit report (with data from all three credit reporting agencies) and your credit score. You do get these data at no charge, but if you fail to cancel your trial membership within 30 days, your credit card is charged the monthly credit monitoring program fee.

If you think enrolling in such programs is not necessary but you do need to get hold of your credit report, then there’s no reason to patronize the companies that make these offers. According to the web site of the U.S. Federal Trade Commission (FTC), consumers are allowed to order a copy of their report from each of the three agencies at the same time or one at a time. A number of financial experts agree with this, since the information in reports from each agency may differ slightly. This is because one agency might have more updated information than the others, or a creditor may have disclosed your data to one agency but not to the others.

Getting an absolutely free credit report, no trial, is a great way to get a hold of information about your credit standing while saving money at the same time. Remember that such information is not available to only a select few; it’s every person’s right to have access to it at least once a year – for free.