How to get an absolutely free credit report
You see the ads on TV for free credit reports all the time but if you listen closely you can hear the fine print about “offer applies with enrollment in a credit monitoring program.” So yes, you can get an absolutely free credit report but if you do not cancel within a certain period of time, you will be charged a monthly fee.
So does that credit monitoring a bad thing? The financial gurus say that you do not need it because it is something you can do yourself. You can check your credit every few months and dispute errors and so on and so on. But do you actually have the discipline to do all that work yourself? You are busy enough with all of life’s other challenges that monitoring your credit report is not one of the top priorities in your life. Although it should be.
If you have a bad credit report, you will have a bad credit score and it can cause you all sorts of financial problems. It can cause you to pay higher rates on all your insurances policies. It can cause you to lose a job or not even be offered a job.
So what can credit monitoring do for you? The name really says it all – it monitors your credit so you don’t have to worry about it. It will alert you to changes in your report that may affect you negatively, it can also protect you from identity theft. So when you see an offer for an absolutely free credit report, you can check it out and only if you are absolutely sure you do not need credit monitoring you can cancel it within the trial period and never owe a penny. Get an absolutely free credit report.
