What's in Free Credit Reports
These free credit reports, available online, contain information collected and presented by the individual credit bureaus:- A list of your credit accounts
- Your credit balances with the amounts you owe
- Your credit history
Beyond Your Free Credit Report – Your Credit Score
You may ask, "Isn't a free copy of my credit report enough?"Not really. One reason is that a free credit report typically does not contain your credit score. You can check a free credit report for accuracy – and that's important – but if it doesn't give you a free credit score, you can't know how a lender will view you as a credit risk. Your credit score is the value lenders use to determine if you qualify for loans - and preferred rates. When you receive free instant credit reports, this information is usually missing.
You Need to Know Your Score – And More
While a free credit report provides a snapshot of your financial history for one moment of time, you can get the moving picture with regular updates by subscribing to a comprehensive credit report service, like that from Identity Guard®, available through this website.More than just a free credit report, the credit report service through Identity Guard® is always available online and contains information collected and updated from all three credit bureaus, including:
- 3 credit reports in a single, comparative presentation in a format that is easily read and understood
- 3 credit scores from each major credit bureau
- Helpful what-if tools to help you calculate the impact of major purchases and other changes to your credit score
- Unlimited access to and regular monitoring of your credit report information
A free credit report once a year just isn't enough when your financial health is related to both your credit report and your credit score from all three bureaus. Act today!
This website is dedicated to making it easy for American consumers to get access to and monitor their credit reports. All of the products we present are provided by Identity Guard®, one of the nation's leading credit management and identity theft service providers.