Your One Stop Resource for Saving Money.
Free Credit Report - The Bills.com Blog
Bills.com Blog > Credit Questions > Free Credit Report Offers
Free Credit Report
Friday, Aug 31, 2007
Question: Why are there so many free credit report score offers that do not include Alaska into there credit report?
Answer: You must be very careful when trying to obtain a free copy of your credit report and credit score. Many of the “free” offers you see online actually provide a free copy of your credit report and credit score only after you sign up for a “free trial” of some product the company or an affiliate company offers, frequently some type of credit monitoring service or loan offer. I cannot say specifically why any specific company does not extend its credit report offer to Alaska, but it may be because the product associated with the “free” credit report and credit score offer is not available to Alaska consumers. Generally speaking, I discourage consumers from obtaining a credit report and credit score, or any other product for that matter, by enrolling in “free trial offers,” as many consumers forget to cancel the free trial and end up being charged large fees for services or products they do not want or need.American consumers, including Alaska residents, can obtain a truly free copy of their credit report once every twelve months by visiting www.annualcreditreport.com
This website is
sponsored by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion, in response to a law passed by Congress requiring the credit bureaus to provide consumers with a free copies of their credit reports once every year. Each of the three agencies maintain separate credit information, and each will generate its own credit report. You can request all three of your credit reports at once, allowing you to cross check the information on the three reports, or you can request them one at a time over the course of the year, so you can keep an eye on new information appearing in your credit files. If you are planning a large purchase in the near future and need to maximize your credit score, comparing all three reports is probably a good idea. However, if you simply want to monitor your credit reports, then
you should probably pull one report every few months to check for new items.
Unfortunately, annualcreditreport.com will not provide you with a free credit score. However, the bureaus will provide you with your credit score for a relatively small fee when you request a copy of your credit report. While you may be able to obtain a credit score from one of the “free” commercial sites, I recommend that you pay the small fee to obtain your credit score directly from the credit bureaus rather than enrolling in a “free trial” offer, which could end up costing you a lot more money.
To learn more about credit, credit reporting, and credit score, I encourage you to visit the Bills.com Credit Resources page at http://www.bills.com/credit/
I hope that the information I have provided helps you Find. Learn. Save.
Best,
Bill
www.bills.com
Unfortunately, annualcreditreport.com will not provide you with a free credit score. However, the bureaus will provide you with your credit score for a relatively small fee when you request a copy of your credit report. While you may be able to obtain a credit score from one of the “free” commercial sites, I recommend that you pay the small fee to obtain your credit score directly from the credit bureaus rather than enrolling in a “free trial” offer, which could end up costing you a lot more money.
To learn more about credit, credit reporting, and credit score, I encourage you to visit the Bills.com Credit Resources page at http://www.bills.com/credit/
I hope that the information I have provided helps you Find. Learn. Save.
Best,
Bill
www.bills.com
Also, make sure to get a free financial health check-up with Bills IQ!
Submit questions/comments about this post:
Bill has answered all sorts of questions and has been able to provide those in need of financial guidance with helpful and valuable advice and information on their specific financial area of interest. If you need specific guidance on any of the above mentioned financial areas, feel free to Ask Bill your financial questions and get better informed. Also, make sure to get a free financial health check-up with Bills IQ!
Information provided by Bills.com is for general informational purposes only and is not be
construed as legal, financial, bankruptcy, tax or other professional advice. Should you
require more detailed information or specific professional advice tailored to your situation you
should consult an attorney, financial planner or tax advisor.
While we believe all information provided by Bills.com to be accurate as of the date of its posting, we cannot ensure its accuracy. Use of this site and any information contained on or provided through this site is provided without any representations, warranties or guarantees. Bills.com is not responsible or liable for any decisions or actions anyone may take based on the information provided. Please see Terms of Use.
While we believe all information provided by Bills.com to be accurate as of the date of its posting, we cannot ensure its accuracy. Use of this site and any information contained on or provided through this site is provided without any representations, warranties or guarantees. Bills.com is not responsible or liable for any decisions or actions anyone may take based on the information provided. Please see Terms of Use.
© 2006 - 2009Bills.com LLC. All Rights Reserved.