Credit scores are one of the key determinants of whether or not you qualify for a loan from a lender. Your account contains a detailed history of your credit accounts including your current balance, the date you opened your account, and your account’s billing history. How to check credit score for free on some Websites?
To know people can get the best personal loans or not, people should usually check your credit history.
Customers should check the credit report annually to ensure accurate information in the credit report. Because many businesses use your credit report to assess your repayment ability and make a decision to lend you.
HOW TO CHECK CREDIT SCORE FOR FREE
Because many lenders use your credit report to make decisions about you, it is important that you check your credit report at least once a year to ensure the information in your credit report is correct. This post instructs the people to check my credit score online for free.
1. How to get free credit report in the AnnualCreditReport.com
The Fair and Accurate Credit Transactions Act of 2003 (FACTA) allows people who want to get a credit history to receive a free credit report. Through FACTA, everyone can receive a credit report for free from three major credit bureaus – Experian, Equifax, and TransUnion – each year.
Everyone should take advantage of the ability by ordering the credit report and using it to track the credit history.
There are three ways to get a free annual credit report that is allowed under FACTA.
- By online, visit www.annualcreditreport.com.
- By phone, call 877-322-8228.
- By mail, print a request form (Adobe viewer required) and mail it to the address listed on the form.
People don’t contact the credit bureaus directly for the free annual credit report.
2. Ordering
The Fair Credit Reporting Act gives customers the right to report credit for free under certain circumstances. Beyond the free annual credit report. These cases include:
- Customers declined the application because of the credit report information.
- Customers are unemployed and intend to start looking for a job within 60 days.
- Customers are on welfare.
- Customers are a victim of identity theft and have incorrect information on your credit report.
3. The State Free Credit Report Laws
| State | Cost | Frequency |
|---|---|---|
| Colorado | Free, then $8 | One free per year |
| Georgia | Free, then $11.50 | Two free per year |
| Maine | Free, then $5 | One free per 12 months |
| Maryland | Free, then $5 | One free per 12 months |
| Massachusetts | Free, then $8 | One free per year |
| New Jersey | Free, then $8 | One free per 12 months |
| Puerto Rico | Free, then $11.50 | One free per 12 months |
| Vermont | Free, then $7.50 | One free per 12 months |
Five states have discounted their credit reports what people should get:
- California – $8
- Montana – $8.50
- Virgin Islands – $1
- Connecticut – $5 for the first credit report per year, then $7.50.
- Minnesota – $3 for the first credit report per year, then $11.50;
Customers should get the FCRA credit report for free or the free state credit report directly through:
4. No Subscription or Credit Card Needed
Some sites now offer at least one credit report. for free.
These sites make money through advertising so they can provide you with a free credit report. Register with these sites to receive a copy of the free credit report with no fee.
If after checking credit history free you have the best credit score, it is great. That means you can get a personal loan with the best fees and rate. To get more the information about these loans with good credit score, you can click into the previous article: best low-interest personal loans.
However, if you have a bad or poor credit score, you still get a personal loan with bad credit. Some loans you can refer are financial loans for bad credit, low-interest loans for poor credit, loans for very poor credit rating, loans for ppl with bad credit…
Hillary (Team Content) – Info Credit Free