Understanding Free Credit Reports
Reading the Fine Print of Free Credit Reports

You are entitled to three free credit reports a year, one from each of the major credit reporting bureaus. But the snapshot those free reports may not be enough to get the full picture of your credit information.
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SAMPLE 3-IN-1 CREDIT REPORT


SAMPLE CREDIT SCORE

What's Inside Your Free Credit Report

Free credit reports give you a once-a-year snapshot of your credit picture – but they don't include your credit score. While a free annual credit report is a good beginning for personal credit management, without your credit score, they don't tell you all you need to know.

Free Credit Reports and What You Need to Know

Your credit score, which is typically missing from free credit reports, is very important – it determines the interest rates you'll pay on major life purchases, like a home or a car. And now, some employers consider credit scores in hiring. You need to know what lenders and others know about your financial life. Your free annual credit report simply doesn't offer this.

Another gap in the information provided by your free annual credit report is the full year you have to wait until receiving your next free credit report. Your credit information can change at any time during that period. If you wait a year to find out what has changed, you might have already suffered the financial consequence of inappropriate or inaccurate changes to your credit report.

A Comprehensive 3-in-1 Credit Report Service Gives You What Free Credit Reports Can't

Only in a full credit report service do you get:
  • Online access to credit reports and scores from all three agencies
  • Your credit score from all three bureaus
  • Daily monitoring of your credit report information
  • Alerts regarding potentially suspicious activity affecting your credit report

You're now ready to take the next step beyond free credit reports – comprehensive credit report monitoring. It offers you what a yearly free copy of credit report history simply can't. Don't wait! Order 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.


Credit Reports provided by Equifax®, Experian® and TransUnion® through Intersections Inc.

Intersections and Identity Guard® are trademarks or federally registered trademarks of Intersections Inc. Equifax® is a registered trademark of Equifax, Inc; and other trademarks are trademarks of their respective owners.