Credit information Los Angeles

Article Source: http://EzineArticles.com/?expert=Hector_Milla Subscribe to New Article Alerts: Finance: Credit Hector Milla Submitted On June 21, 2010. Free Credit Reports And Credit Scores That Aren't Free Many websites advertise that they allow you to check your credit report and/or credit score for free. But there's a catch: many of these "free" reports and scores actually cost money. Let's take a look at a few of these websites to see what they really charge.

TUTORIAL: Credit Cards Credit Reports vs. Credit ScoresBefore you check anything, know the difference between a credit report and a credit information Los Angeles credit score. A credit report shows credit information Los Angeles all of the credit accounts in your name, how long you've had them, how much you owe and whether you pay on time. A credit score is a three-digit number between 300 and 850 that lenders use to assess the risk of lending to you. (For related reading, see Consumer Credit credit information Los Angeles Report: What's On It.) "Free" Credit Report And Credit Score Websites credit information Los Angeles Explored What follows is not an exhaustive list of sites advertising free credit reports or free credit scores, but it will give you an idea of what to look out for. free credit report australia FreeCreditReport.comFreeCreditReport.com is probably the most heavily advertised site. You've heard the jingles on TV about working as a pirate in a restaurant and living in your parents' basement. One is "Get Your Instant Credit Report & Score for $1." The top of the webpage says, "When you order your $1 credit information Los Angeles Credit Report and Score here, you will begin your 7-day trial membership in freecreditreport.com. If you don't cancel your membership within the 7-day trial period, you will be billed $14.95 for each month that you continue your membership. You may cancel your credit information Los Angeles trial membership anytime within the trial period without charge." There are no surprises here, though one might argue that the name of the website is a bit misleading. The second offer is "Free Credit Report Delivered in 2 Days." The site states that no credit score is included in this offer and that no membership is required. federal law free credit report It's difficult to tell what you're really signing up for before you are asked provide your Social Security number, though.

The terms and conditions state that you are required to provide a credit card number to receive your free report, and you will be credit information Los Angeles asked if you want to purchase your score. If you do order your score, you will be enrolled in a trial of freecreditreport.com Credit Monitoring. Presumably, as with the previous offer, you will be billed $14.95 per month if you don't cancel. Furthermore, why would you want to wait two days for a credit report that other sites offer instant access to? (For related reading, see The Importance Of Your Credit Rating.) FreeCreditScore.comFreeCreditScore.com makes it quite clear that you're signing up for a free trial of a credit monitoring service to get your free credit score. The homepage says "Start Your Trial Here," "Get Your FREE Trial & FREE Credit Score" credit information Los Angeles and "When you order your free credit score here, you will begin your 7-day trial membership in freecreditscore.com.

If you don't cancel your membership within the 7-day trial period, you credit information Los Angeles will be billed $14.95 for each month that you continue your membership. fair credit reporting act free credit report You may cancel your trial membership anytime within the trial period without charge." You have to provide your credit card information to get the free trial. The website's name might be credit information Los Angeles somewhat misleading, but the site itself is not.

FreeScoreOnline.comFreeScoreOnline.com advertises "Fast credit information Los Angeles and Secure Free Credit Scores" in large print, but the small print underneath says, "with your 7-day ScoreSense trial." The page asks for your first and last name, zip code and email address.