Free Annual Credit Report and Score

A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts. A credit score is primarily based on credit report information, typically sourced from credit bureaus / credit reference agencies.

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.

Credit scoring is not limited to banks. Other organizations, such as mobile phone companies and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques.

You need to check for correct information even if you have no credit that you know about, maybe someone else does. Get your annual credit report free and see how others view your credit histories with our independent online guide.

You have a right to order your free annual credit report from each of the three major consumer credit reporting agencies (CRAs): Equifax, Experian, and TransUnion. However, it is not necessary for you to order all three at the same time.

These are companies that maintain specific types of files on consumers, such as employment history, tenant history, medical records, and insurance claims. There are many specialty CRAs, and each must maintain a toll-free telephone number through which consumers may request a free copy of their credit report once every 12 months.

Check your annual credit report and receive a free instant credit report when you use the Annual Credit Report website. This reputable website has the recommendation from the government as the only place to get your information free and quickly.

Because you receive the annual credit report free, you have no reason not to check your credit history yearly. The online credit report helps people protect themselves from identity theft and fraudulent credit applications.

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