IMMEDIATE AND CONSISTANT ACCESS TO YOUR CREDIT REPORT & SCORE
The way it should be.
Following is the simple solution that gives you instant access to your credit report from all three bureaus from today forward!. . .
WITH your score!
Most individuals do not give much thought to their credit report until an embarrassing loan denial or a credit application is needed to complete a purchase.
Having a handle on our credit rating means we need to know exactly what entries are listed on our report consistently. How can we possibly manage what we cannot see? Only makes common sense to me. Check out some of the benefits:
- Almost every credit monitoring service will give you a free trial period that will allow you to obtain a copy of your credit report with scores on the spot - and try the system out for a trial period to be sure you are satisfied BEFORE YOU PAY a dime! It's cool, you have a chance to click around and check it all out.
- Notifications of new accounts ANYONE has applied for under your name. An friendly e-mail - letting you know.
- Maintain access to view your credit file and score any time with up dates quarterly or monthly - depending on the service you choose!
- Head off identity theft immediately instead of waiting until the disaster hits.
- If you are working on cleaning up your credit file you are able monitor your credit report as changes take place and see the immediate effects your actions are having on your credit score.
- 'What if' simulators showing you what actions are going to make the biggest difference in your score.
Simply stated there is no way to have a handle on your credit rating and entries unless you know what entries are on your report and what your score is! In my book trying to manage your credit without being able to see it is like blind folding yourself and swinging a bat at a pinata!
They make it a no brainer when notifications of changes pop up in your email box - the only effort on your part is to open the email and read it.
I use an online credit monitoring service and have your years. Having the service has definitely given me an upper hand in many cases - I could not imagine not having access to it!
- I have been notified of collections that were entered on my report mistakenly and have been able to contact the company to find that my bill had been sent to a previous address allowing me to handle the situation before having to experience embarrassing loan or credit denials due to collections I was unaware existed.
- I have been able to stop credit fraud by being notified that an individual applies for credit in another state, allowing me to contact the company and eliminate the chance of that person creating debt in my name.
- While I was building my credit in preparation of buying a home I retrieved monthly reports to allow me to know as soon as my score had raised enough to qualify for a home loan. My alternative was to continue to have my loan originator request my report repeatedly - which in turn would have added inquiries to my report that had the potential to lower my score.
- In the past when paying off collections I could effortlessly see that the collection accounts were credited with my payment and noted properly on all three credit reports.
This is definitely something that I believe is essential if your choice is to stay on top of your credit report. There are several offers you can look over on the link below!
CREDIT MONITORING SERVICE BENEFITS
What to look for . . .
The program I choose to use is the first choice in the list in the link below. There are some that are double in price, some that are a couple dollars less expensive a month. (The one I use is $14.95)
- A report from all three credit reporting bureaus is very important, as you will see all companies do not offer reports and credit scores from all 3 bureaus. Knowing information entered from only one credit reporting agency when there are three credit reporting agencies that are entering entries on my report just does not make sense to me at all.
- I chose a service that will notify me of changes as they occur, to me it was important not to have to take the time to remember consistently to sign in and look randomly at my report. When I check my e-mail if a change has been made to any of the three credit bureaus I receive an email notifying me. Easy as that!
- I wanted to be able to pull a new report every month (the credit bureaus update monthly).
For your convenience I have a list of various available credit monitoring services take a look at the services and choose the service that is right for you! Most all of the credit monitoring services have free introductory periods to let you obtain your credit report and use the system to be sure you are satisfied - BEFORE YOU PAY A DIME!