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Free credit reports on the Internet are mostly scams. That's a tough statement but it is true. There is only one reliable source recommended by the U.S. Government for a free instant annual credit report. Only one! The others are marketers trying to get you to sign up for services to trick you. And, even the government approved provider charges extra to give you your credit score.

I would be surprised if you did not know that your credit report is actually a detailed record of your credit history. It contains the information sent in by various financial and government sources which have been added to credit bureau records. This credit report gives detailed information about the financial position of your personal and business activities. Your credit report reveals everything. It reveals the best and worst about your money management. On the positive side, your credit history may reveal mistakes and errors that can be corrected and, once erased, can improve your credit score.
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We know that a good credit report is an important advantage if you need to buy something very expensive. For instance, if you are considering buying a vehicle in the near future you need to have a strong credit history. A strong credit history is just about the only way to show banks or money lenders that you are credit worthy. Many people want to know how often they should check their credit report. Keeping on top of your current credit report and credit score is a must do practice. It is a good practice to check your credit report at least once every six months.

I said earlier that free instant credit reports online are after your money but you still might consider signing up for a credit monitoring service some of them offer. Let me explain my contradiction. While these can cost upwards of fifty-dollars a year, you get some important advantages. These services constantly monitor your transaction activity and instantly report that activity to you as it occurs. This allows you to see if anyone is accessing your finances without your permission so you can take action if needed. Credit monitoring does the work for you. Remember, checking your credit report helps in protecting your credit rating and it also allows you to monitor your creditors. There may be times when your creditor might fail to report payments or purchases. You want all transactions to be posted to your report which helps your total credit score.
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The first thing your free credit history shows is a complete summary of your personal statistics. It contains your legal name, a listing of all your recent and prior home addresses, current contact phone number, Social Security number, date of birth and your current and past work history. The information you need for controlling your finances comes next in your report. You will also see any bankruptcy, payment history including late payments and collections. And, you will see when your financial institution runs your credit report to keep their information on you current. Your financial health is determined by the credit history in your free instant online credit report. You can easily get educated and take control of your credit history.
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