Personal Credit Report - How to Get Your Credit Score in Seconds...

Why is it important to Check Your Credit Score?

Actually, there's a few reasons...

1. Knowing your credit score will help you to improve your financial situation - regardless of where you're at right now. You'll be able to see yourself through the "eyes" of potential lenders, and it will show you your options.

2. You need to evaluate your credit report yourself and watch for inaccuracies. Financial institutions and reporting institutions DO make mistakes, and their mistakes could be costing YOU - big time...

3. You may be a victim of Identity Theft without even knowing it! It's very important to keep an eye on your credit score on a regular basis - just in case someone illegally steals your identity - and ruins YOUR credit!

So How Do You Check Your Credit Report Online - For Free?

You'll need to sign up for a "free trial offer" from one of the various providers around the web that offer a consolidated report from the major credit-report databases (such as EquiFax, Experian, Trans Union, etc.)

They all have a catch (most force a monthly subscription fee), but some are better than others. The best credit report provider that I've been able to find is called Your Free Credit Report Online.

This one will only cost you just over $5 as an "activation fee", but that's about as cheap as you'll be able to get a "Free" Credit Report, which is called "Free" because all of these providers include it as a bonus to their reporting subscriptions.

The nice thing about Your Free Credit Report Online is that you can simply access your credit report, with a full 7 days of "trial period" to cancel your subscription before getting dinged with your first monthly payment.

This way, a complete credit report can only actually cost you the price of the activation fee ($5 or so).

You can try searching for an ACTUAL free report if you want, but you won't find one. They ALL have some sort of catch. Your Free Credit Report is the best deal going because of their trial period, which most others don't have.

However - it's not a bad idea to subscribe to an automatic monitoring service, which is what you'll be subscribing to unless you cancel within 7 days. This also includes $25,000 of protection (insurance) in the event of identity theft as well, which might come in handy (but hopefully it won't have to).

The other advantage to subscribing is that Your Free Credit Report will also advocate for you in the event of fraudulent activity AND inaccuracies.

(That could be a life-saver, potentially).

At any rate, don't make the mistake of thinking that "it won't happen to you" - or that it doesn't matter. Failing to check and monitor your credit report could be a VERY costly mistake in the long run.

So Check YOUR Credit Report (and Score), Right Now >>