Free Credit Counseling

When trying to recover from severe financial issues such as bankruptcies or foreclosures it is often necessary to seek free credit counseling. Although there are a number of agencies that offer this service for free, there are others that provide the service as part of a credit repair service such as consolidation loans or perhaps home equity loans.

These types of loans help consumers take care of any existing debt in order to begin working on repairing their credit score. Of course this also helps the lender since they are aware of the fact that foreclosing on a home or repossessing a vehicle might not yield enough to pay the outstanding principal upon sale of the property. For this reason they will often provide free credit counseling to help those in debt climb their way up to a better credit score. It may be a long process, but in the end a good credit score is worth the effort.

Free Instant Credit Report

Although it is possible to actually purchase your credit report, there are a number of ways in which to get a free instant credit report. Most people are aware of the fact that once they are denied credit they are eligible to request a report at no charge if they request it within 60 days of being turned down. Also, the government has mandated that all three credit bureaus are to provide a credit report each year to any consumer who requests a copy of their own.
Whether you want to contact TransUnion, Experian or Equifax (or all three!) all you need to do is go to their website, fill out some information and you will have a free instant credit report. Also, most reputable credit monitoring services will provide you will a credit report as part of a trial subscription to their services. The point is, you can get your credit report to keep track of what has been reported and the best part is that you won’t have to pay for it if you only ask for one a year.

Although it is possible to actually purchase your credit report, there are a number of ways in which to get a free instant credit report. Most people are aware of the fact that once they are denied credit they are eligible to request a report at no charge if they request it within 60 days of being turned down. Also, the government has mandated that all three credit bureaus are to provide a credit report each year to any consumer who requests a copy of their own.

Whether you want to contact TransUnion, Experian or Equifax (or all three!) all you need to do is go to their website, fill out some information and you will have a free instant credit report. Also, most reputable credit monitoring services will provide you will a credit report as part of a trial subscription to their services. The point is, you can get your credit report to keep track of what has been reported and the best part is that you won’t have to pay for it if you only ask for one a year.

Free Credit Check

One of the ways in which consumers are able to find out what is on their credit report and exactly what their credit score is usually entails applying for a line of credit. While it is true that when a company refuses credit to applicants they need to provide the reason why for free in the form of a credit score or report, this isn’t always the best way to get a fee credit check.

Unfortunately, every time your credit is run your score goes down by a few points. This might not seem like much but after several companies run your credit you will see a significant drop in your score. The best way to get a free credit check is to either request your annual free report from the three major credit bureaus or to join a credit monitoring website such as free credit report dot com. In this way you will not be gathering negative marks but will be able to take steps to protect your credit report from mistakes or identity theft. After your initial report you can join for a fee to make sure that your credit continues to improve as you work on fixing errors and paying outstanding debt.