Check credit online Montgomery

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners. Check Credit Report Free Once a Year - Is it Enough?

Expert Author | 6,306 Articles By Hector Milla The answer to this question is a resounding "No". Checking a credit report once a year is not enough by a long check credit online Montgomery shot, for a large variety of reasons. Unfortunately, it is what most people do, as the government offers a free report once a year at the Annual Credit Report website, but with a small investment, it is simple to get a much better check credit online Montgomery deal. The first answer to this is that the consumer who uses this option does not see the score check credit online Montgomery associated with the report. While the report that one receives does show everything that the credit agencies see, they do not show the associated score. online free credit report And this is a big deal, because formulas that check credit online Montgomery are used to calculate the score are arcane trade secrets.

It is nearly impossible for anyone outside of an agency to see these formulas, and they can be full of surprises. Someone can check credit online Montgomery have nothing negative in their check credit online Montgomery record and still have only an average score. Another problem check credit online Montgomery is that many people use this once-a-year viewing of their credit to watch out for identity theft. Identity theft can, and does, happen overnight, and checking once a year is not enough to prevent that at all. secure credit report Nobody looking for identity theft would check their credit card statement check credit online Montgomery once a year. No, one must view his or her report at least once a month to see if somebody is maliciously opening accounts check credit online Montgomery in his or her name. Checking once a year can only reassure a consumer that their identity is not being stolen at that instant.

In fact, with that time interval, somebody could easily open and then close an check credit online Montgomery account before someone notices.

The solution is that one cannot rely on free tools. One must sign up for a subscription website that allows him or her to view the credit information, including the score, far more than once a year. Good websites for such a service include check credit online Montgomery freecreditreport.com and creditreport.com. These websites, for a small monthly subscription fee, allow a consumer to view his or her credit report at regular intervals, typically once a month. credit report watch

This can keep one far more alert and gives far more information than one could ever get from any free source available.

NOTE: Get your credit report and scoring improved. Use one of the Best Credit Reporting Services in the market offering a free trial and the cheapest price thereafter. Hector Milla runs the Credit Report And Scores website - where you can see his best rated credit reporting service.