Is free Credit Report Safe

Experienced borrower have in the past been able to register for up to 30-day tests to get free use. Until now, it was a detour to take the free 30-day Experian evaluation, which is also available through This is Money, and then terminate it before the free business is over. Peoples should still review their full report on a regular basis, especially before important loan requests.

However, it is a good idea to avoid having to search several times, especially in a hurry, as this can make an individual look distressed for credit. A number of creditors provide "proficiency testing" - a credit search engine that softly scans the credit database and leaves no trace. Experian Credit Matcher works in the same way and provides an aptitude score to indicate how likely it is that the creditor will rate an applicant positively.

For 30 days, Equifax and Experian are offering free evaluation versions of their services on-line - giving you full and unrestricted acces to your report and scheduled alerts, but you must keep in mind to unsubscribe before the end of the campaign to reduce your subscriptions. Checkmyfile is also a free evaluation version of the Checkmyfile utility to review your Equifax and Callcredit notifications.

Are you sure you can get a free credit report?

If you are wary about the particular website from which you are getting it, you can be sure of getting a free credit report. The credit information is provided by the three largest auditing companies: Loan records show your credit histories, which eventually affect your creditworthiness. What are the safest websites?

AnnualCreditReport.com is the most frequent website from which customers can obtain free credit reporting. The Fair and Accurate Credit Transactions Act (FACTA) (also known as FACTA) was adopted in 2003, giving every user free credit reporting each year. These three large credit bureaux have worked together to set up AnnualCreditReport.com for this purposes.

Direct access to the three credit reference agencies' web sites - Experian.com, TransUnion.com and Equifax.com - is another option. Those sites contain safety functions, but do not provide free reporting. If you click on the free credit report hyperlink, you will be taken back to AnnualCreditReport.com. The act is to present something legitimately to induce you to disclose your personally identifiable information, in particular your social insurance numbers.

Much of these phone hijacking attempts are accomplished through emails or web sites that look legit to the unaided naked eye, but they are really designed to fool you. Complimentary credit reporting is a great way for customers to keep abreast of their creditworthiness. But with cyber crime on the increase, it's important to be alert to possible dangers and only go to believable sites.