(ARA) - You should always know the credit scores that the 3 major credit bureaus have on file for you. These important numbers are what determine how much you will pay on loans and interest.
Contrary to popular belief, checking your credit does not hurt your score. Knowing what is on your credit report can actually give you the opportunity to improve your credit score, since you will be knowledgeable about any detrimental items that need to be removed or fixed. Checking your own credit is considered a "soft credit check," which has no negative effect on your scores.
You are entitled to one free credit report per year, but to gain free access to all 3 credit reports and credit scores you should use a reputable free service such as
GoFreeCredit.com. You will instantly receive your reports and scores from Transunion, Equifax and Experian, plus a free trial of identity protection tools such as:
* Access to your 3-in-1 credit report online as often as you like to check for errors and inaccuracies that can lower your credit rating or indicate credit fraud.
* Ability to compare Triple Credit Scores from all 3 national credit reporting bureaus - TransUnion, Experian and Equifax - and gain a powerful tool for negotiating loan interest rates on mortgages, auto loans and more.
* Triple Bureau Credit Monitoring, tracks activity in your 3-bureau credit report automatically and sends an e-mail alert warning you about changes in your credit report or credit score.
* Tools and calculators to help you protect your credit today and plan your finances for tomorrow.
* Unlimited, toll-free access to credit report customer service.
Think your credit score should be higher? Then your identity may have been stolen. Fill out the form at
GoFreeCredit.com and get a full check of your credit report and scores.
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