FREECREDITREPORT
What is a freecreditreport?
A consumer freecreditreport is a document containing a factual record of an individual's credit payment history. Credit grantors are permitted by law to review freecreditreports to objectively determine whether to grant a consumer credit. Lenders usually report consumer credit payment information to the credit bureaus. Most of the information in a consumer freecreditreport comes directly from the companies consumers do business with.
What kind of information does a freecreditreport contain?
Your Experian freecreditreport contains four types of information: identifying information, credit information, public record information, and inquiries.
Identifying information includes:
* Your name
* Your current and previous addresses
* Your Social Security number
* Your year of birth
* Your current and previous employers
* If you're married, your spouse's name
Credit information includes credit accounts or loans you have with:
* Banks
* Retailers
* Credit card issuers
* Other lenders
Public record information includes any information that's contained in state and county court records, like:
* Bankruptcies
* Tax liens
* Monetary judgments
Inquiries indicate to other credit grantors that you have applied for new credit, which could result in additional debt. Potential lenders may view multiple recent inquiries on your freecreditreport as a sign you may be overextending yourself.
What is credit monitoring?
Credit monitoring is the act of monitoring your freecreditreport for key changes like inquiries or the opening of new accounts. Such changes to your freecreditreport could be indications of unauthorized activity like fraud or identity theft.
Why is it important to monitor my freecreditreport?
Your freecreditreport can change daily as creditors and lenders report new information about you to the credit bureaus. And with identity theft on the rise, it's recommended that you check your freecreditreport regularly for signs of fraudulent activity. CreditCheck® Monitoring checks your report daily and notifies you by email when key changes are detected because early detection is key to minimizing the damage that mistakes and ID theft can have on your credit. So start with your free freecreditreport and 30 days of free CreditCheck Monitoring now!
What does this free offer include?
This promotional offer for first-time customers includes a free copy of your freecreditreport with your free 30-day trial of CreditCheck Monitoring. Your free trial membership also includes daily monitoring of your freecreditreport and email alerts of key changes to notify you of information that may indicate fraudulent activity. After your trial, your full membership also includes unlimited freecreditreports, giving you the information you need to understand where your credit stands. We're sure that once you try it, you'll agree with how valuable CreditCheck Monitoring can be for your credit peace of mind.
Why should I be worried about identity theft?
Identity theft can affect many aspects of your life, causing you to be turned down for credit, denied a home rental, and could even cost you a new job! CreditCheck Monitoring takes the work out of constantly checking your freecreditreport by monitoring your credit daily for you and sending you email alerts when key changes are detected. And don't forget that you also have unlimited freecreditreports with your full membership. Spotting signs of fraudulent activity early is key to minimizing the damage it can do to your credit.
ABOUT CREDIT SCORES
A credit score is a three-digit number that lenders and creditors use to determine a consumer's credit worthiness. A higher credit score could qualify an applicant for lower interest rates and better terms on a loan or credit card, which could translate into a savings of hundreds or thousands of dollars over the life of a loan or the duration of a credit card account.
Credit scores are calculated based on the data in your freecreditreports. They can change over time, sometimes on a daily basis, based on activity and changes to your freecreditreports. That is why it's important to stay on top of your freecreditreports for key changes that could affect your credit scores, something credit monitoring does automatically. It's the fastest, easiest way to stay on top of your credit, other than pulling your freecreditreport on a daily basis, something you can do as a paid member of CreditCheck Monitoring!
So take advantage of your free freecreditreport and 30-day free trial of CreditCheck Monitoring.
