Because of the advances in internet and technology in general, you can already avail of your free credit reports from various websites. This is of much help especially to people who want to check their credit reports more than once a year. The free annual credit reports from the government could only be ordered once a year. During those other times, you would have to rely on the services of different online credit reporting agencies.
Most of the credit repot offers are also for free. However, the process of obtaining a free credit report online is the same-that means you would have to disclose some private and personal information for your report to be created. With this, you should really take extra care choosing which websites and online services. If you are not careful, you might receive extra credit card charges without your knowing.
Other than that, you should also be sure that website is secure. Remember that scammers and thieves are everywhere. Sign up only to websites that could guarantee clear privacy policies when you sign up for free services. Most, if not all online credit report services would require you to subscribe to credit monitoring or identity theft detection services as well. And that could cost you. So, before you sign up for any online services, you should see to it that you understand all the terms and things you need to do to receive your credit report for free.
There is also usually a trial period for such credit reporting services online. The trial period ranges from seven to thirty days. Of course, during this span of time, you can test the services which are free of charge. Such services include credit monitoring and identity theft service. If you think these work out well, then there’s no problem continuing. However, do consider that after the trial period, you would already most likely be charged. If you can’t afford the costs, you should cancel the free credit report online service before the trial ends.
Again, you can only cancel your subscription if you have fully read and understood the terms of service before you signed up. Commonly, such online service providers would require you to call to cancel subscription. The fees vary across providers from 9 dollars to 40 dollars per month. Sometimes, refunds are also not given especially when you cancel after your credit card has already been charged.
Also, online free credit report service providers could provide for credit reports from one of the three credit reporting agencies. Some on the other hand, are able to provide their clients with credit reports form all three credit recording bureaus. Still, with a little effort you can still find online services from the credit reporting agencies themselves. The only problem you could face when it comes to availing for online free credit report services is that once you have already completed a particular offer, you may no longer be able to do it twice. This is because you are limited from availing the same offers in the future.