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Tip of the Day Make Your Home More Energy Efficient

Make Your Home More Energy Efficient - There are many ways to save money around your home. These can range anywhere from insulating your hot water tank to prevent...

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Online Credit History

Many people are interested in seeing their credit report and credit score. While credit agencies used to keep such information next to impossible to obtain, there are now a number of ways to get a online credit history--including one for free.

Thanks to federal legislation, consumers can now get a online credit history at a single Web site. All three major credit reporting agencies, Equifax, TransUnion and Experian, are now required to give consumers access to their credit reports free by law once a year. By going to annualcreditreport.com, consumers can see what their credit report holds. For each agency, a consumer’s credit report and credit score can be different, so receiving all three is important to make sure your credit has not been adversely affected in a way that was picked up by one credit agency and missed by others. Getting the online credit history will give the consumer a quick and easy opportunity to check their credit report and not get charged for it.

In order to get a online credit history from annualcreditreport.com, the consumer must provide their Social Security number, their date of birth and current address. If any of this information is incorrect, access to the credit file will be denied. Once the consumer has access to their report, they can check all three of them for discrepancies. Complaints about information found on the credit report cannot be registered with annualcreditreport.com, but must be filed directly with the credit bureaus.

There are a number of companies not affiliated with the government who also consumers their online credit history, but these companies have a number of strings attached to their online credit history offers. The offer of a online credit history is normally just that—a single credit report from one of the three agencies. In order to get the rest of their credit information, the consumer must pay for a “credit monitoring” service that can cost $80 or more a year, though they do allow repeated access to credit reports.

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