Posts Tagged ‘free trials’
Your credit score and records are financial assets that you need to take good care of. And getting a free credit report is a step into the right direction.
Anyone who understands how one’s free credit report and standing can make or break your financial situation sure knows that. After all, your free credit report contains…
- Basic and personal information
- All of the financial accounts you’ve opened like credit cards, loans, mortgage, etc.
- How long they’ve been around
- How many payments you’ve made
- How much payments you’ve made
- How deep you are in debt
- How many payments you’ve missed
And that’s just to name a few.
To top it off, it even contains a FICO score, which is different from your credit score by the way, that gives the bank or financial institution you’re asking some financing from a quick peek at how good or bad you are faring and if you’re credit-worthy so to speak.
A thorough look at your free credit report will let you know if there are any inaccuracies that need some correction, or if there’s some fraud or identity theft going on.
The good news is that you can easily get a report from BIG guys like Equifax and TransUnion. There are numerous smaller websites that allow you to access you credit report annually.
That’s a piece of cake if you have a credit card.
BUT the bad news – what if you don’t have a credit card? Does it mean you can’t access your free credit report unless you apply for a credit card deal in your local bank?
Many of these online credit agencies REQUIRE a credit card. Why? First, that’s because they give you a free trial of their credit reporting service. And as we all know, getting your hands on free trials need a credit card.
That brings us to the second point.
If you’re satisfied with the service and would like to move beyond the trial period, they’ll be charging you, and again, a credit card is needed for that.
HOWEVER, that doesn’t mean you can’t get your free credit report. Even without a credit card, you’re entitled to seeing your report for free and taking the necessary actions with it although the process may take a little longer than usual.
How?
Mail them!
That’s right. You can ask these credit agencies for your free credit report by mailing in your request. And you can do it anytime of the year and that will be free of charge…nothing to pay for…zilch…nil…zero!
So don’t fret if you don’t have a credit card! Have a look at your free credit report now and take good care of your credit score and records.