subject: Government Credit Report Website And Additional Important Information [print this page] Government Credit Report Website And Additional Important Information
There are a number of ways that people use to be able to see their credit reports.
Many go to the individual bureaus to request a report and some subscribe to pay-based websites, but perhaps the most popular is to use the government-sponsored Annual Credit Report website.
Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.BestCreditReportServices.com -- pointed out;
"...This website allows a user to, once a year, see his or her report from each of the three major bureaus: TransUnion, Experian, and Equifax..."
What many people do not realize is that the Annual Credit Report website does not tell them even nearly as much information as is really needed. In order to really keep track of their rating and watch out for identity theft, a consumer must not only see the report, but also the score, which Annual Credit Report does not offer. Also, one must see the information held in such a report more than once a year. A lot can happen in a year, and that could include identity theft. If one's identity is stolen, waiting six months to a year to find out about it and deal with it is simply unacceptable.
The solution to this problem is to just not use this government website. Far better alternatives include subscription-based websites such as freecreditreport.com and creditreport.com. These websites have a number of advantages over Annual Credit Report. For example, they not only give the report, but also the score. They give all of the information at once, making it very easy to see differences and possible errors in one's report, and allow a user to view their report about once a month, which is an adequate period of time to check for identity theft. The cost of the service is minimal compared to the benefit, at about 15-25 dollars a month, and this includes, in most cases, free monitoring on one's report.
"...The monitoring service is perhaps the largest benefit that one gets. These websites will watch one's report for a subscriber to ensure that it only shows standard activity. For example, if they know that the customer has enough credit/debit cards, and suddenly a number of credit card accounts are opened in his or her name, they will contact the subscriber and inform him or her of this abnormal activity. This is the ultimate proactive identity theft protection. If anything goes wrong one can be sure that they will know about it. And the sooner that one learns of identity theft, the easier it is to stop..." added A. Lillo.
Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com
