Free Credit Report with no credit card required is available at annualcreditreport once a year. Here is what they don’t tell you. When you get your Free Credit Report at annualcreditreport there is no Credit Scores. So what good is a Credit Report without your Credit Scores? A Credit Report with no Credit Scores is like a destination with no address, it is useless. The following look at your scores very closely when determining your credit risk, interest rates, and terms.
1. Insurance Companies
2. Utility Companies
3. Credit Card Companies
4. Mortgage Companies
5. Car Finance Banks
6. Employers
7. Even Hospitals are now determining your Credit Risk.
Folks this is serious business, just imagine if you are applying for that new jobthat pays more, and they determine whether they are going to hire you based on your Credit Score. The main point is, yes you can get a Free Report with Annual but it’s once a year and no Scores are included. A Report with no Scores is useless, especially when that is what creditors look at. Let’s just assume you are getting ready to buy a car, and you are a customer that does not know there scores. Dealerships customers like you love because an uneducated consumer is a consumer they can rip off and make more money online. An educated consumer that knows there scores will show up ready to get the interest rate on the loan. This is what most lenders don’t want to deal with, because they make less money on consumers like this. Maybe you are wondering what is considered a good score.
Hereis a break down:
or 780-850-Low Risk
or 740-780-Medium-Low Risk
or 740-690-Medium Risk
or 620-690-Medium High Risk
or 620 and Below-High Risk
There are all of these offers out there selling Free Credit Score Reports with all these up sales. For example:
1. Credit Monitoring
2. Savings Club memberships etc
When it comes down to being an educated consumer and that is all that is available out there to get your scores, there is not much choice. I would not hesitate to get these services, because everyday thousands of people get there identity stolen. I would recommend being an educated consumer so you are aware of what is being reported about you. Start saving today and protect yourself and your family.
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