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.