Although there are a number of websites that can provide an annual credit report, there is one site that offers reports from all three of the major credit bureaus. However, make absolutely certain that you pay careful intention when typing in the website URL. A slight deviation could result in being led to a competitor’s site that is not as reliable or as ethical.

Of course there are a number of other methods to employ in seeking your annual credit reports that the government says you are entitled to for free each year. Some people apply directly to the three credit reporting agencies while others apply for a line of credit in order to get their free report when denied. However, the most reliable way is to utilize the services of a site like the website because all three reports will be provided. Because they are able to also provide credit repair counseling, you will find that it is easier to learn how to begin your road to financial recovery.

One Time Credit Report

So many times consumers are reluctant to pursue getting a free one time credit report simply because they are unaware of just how easy it is to do. Actually, there is no need to apply for credit which they know will be denied in order to get that free credit report. Consumers are actually entitled, by law, to apply to any or all of the three major credit reporting agencies for a free credit report each and every year.

In fact, there several ways in which to get a credit report. Not only can the consumer apply directly to Experian, TransUnion or Equifax once a year but it is also possible to obtain a 3 in 1 report that contains data from all three agencies. However, many people find that joining a credit monitoring service is better than a one time credit report as they will be notified every time there is a change affecting their credit.

One Time Credit Score

Although there are a multitude of companies and services that provide free credit reports, it isn’t always easy to obtain a free one time credit score. Even so, there are a select few credit monitoring services that will provide a free credit score one time after which you would want to enroll in their credit monitoring service to obtain updated scores as they change.

After you have received your one time credit score you can then begin analyzing it to see if there is anything you can do to improve it. Talk to friends, family members and even professional credit counselors if you need guidance. Since a bad score can keep you from getting the credit you need it is imperative that you repair your credit as quickly as possible. It might even be possible to set up payment arrangements with some of your creditors in order to remove those blemishes right away, but whatever you do take action even if you can only take small steps at first.