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Free Credit Report | Top Companies: This Week's Reviews |
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| Services Offered:
Credit score monitoring, credit check, credit rating |
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| Company Overview:
Credit Diagnosis was established to help consumers with
credit problems and those who want to monitor their
credit score and credit report. The company was started
in 2006. They have credit score monitoring, free credit
check services, and various identity theft and fraud
prevention services. Credit Diagnosis serves millions of
consumers every year. |
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| Our Review:
Credit Diagnosis is a great place to obtain and monitor
your credit score. They’ve got so many great options for
consumers that want to monitor their credit and get a
free credit check. Their website doesn’t give much
information about the company, but their service is
great and so are the products that they offer. |
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| User Review:
Credit Diagnosis was able to help me keep an eye on my
credit score, and they even gave me a free credit check.
My credit rating was terrible, so knowing that I could
get a credit card check on their service helped me to
see what needed fixed so that I could fix it. I’m glad I
found their site. I’d love to be a customer for life! |
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| Services Offered:
Credit score monitoring, credit check, credit rating |
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| Company Overview:
The company was established in 2007, and though they are
young, they have helped many consumers to get the credit
scores and credit check that they needed. They offer
many tools for credit monitoring, and have served
millions of customers in their short lifespan.
GetYourCreditReportNow.com operates online only, and
communicates through e-mail and phone calls. |
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| Our Review:
GetYourCreditReportNow.com offers a free credit score,
credit check, and other credit monitoring services for
those who need them most. They have great resources for
credit information and learning, and customer service
that is top rate. The company doesn’t tell much about
themselves, but we like to think that it’s because
they’re focused on the customer. |
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| User Review:
GetYourCreditReportNow.com gave me a credit score,
credit rating analysis, and a free credit check. They
had so much information, too, that helped me to get my
credit back on track so that I could get the home that I
wanted without having to ask a family member to co-sign
on my mortgage. |
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| Services Offered:
Credit score monitoring, credit check, credit rating |
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| Company Overview:
Free Credit Reports 360 is a BBB accredited business
that began in 2008. Even though they are not that old,
they serve thousands of customers each month, and have
received great reviews from critics. They have free
credit score analysis and other credit check and
monitoring tools. |
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| Our Review: Free
Credit Reports 360 is a great service. Once again, we
don’t get a lot of information about the company itself,
but the products, services, and customer support are
fully explained and used to their full potential. It
doesn’t matter if you have bad credit or good, if you
want to check your credit score, this is the place to do
it. |
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| User Review:
Free Credit Reports 360 is one of the best sites I’ve
found. All of these sites that give out free credit
reports usually make me pay for my credit score, but not
this place. Their membership fees are low once the trial
month is up, and they give me all the tools I need to
make sure that my credit is safe at all times. |
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| Services Offered:
Credit score monitoring, credit check, credit rating |
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| Company Overview:
Go Free Credit began in 2006 in Los Angeles, California.
They have served more than 1 million customers since
they were established. They offer credit score
monitoring and other credit tools to consumers of all
types. |
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| Our Review: Go
Free Credit has a great service, and is yet again
lacking information about the actual company. However,
it doesn’t affect the service that customers get or the
products that are received. Everything is still top
rate, including the 24/7 support. |
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| User Review: Go
Free Credit let me monitor my credit score and helped me
learn about how to raise it so that I had better credit
when I wanted to buy a new car. I spent about 6 months
improving my credit score, and with their free credit
check, I was able to see that I’d get a much better rate
on a car loan before I even applied. |
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Other Top Companies for
Free Credit Report : |
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Free Credit Report Myths and Facts: |
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There are many
misconceptions about your credit score, which is one of
the most misunderstood parts of consumer credit. Here
are some myths and the facts behind them so that you can
better understand your credit score.
Myth: Credit scores only range from 250-850.
Fact: Credit scores are always scored in this range, but
if your credit is bad enough, it can bottom out below
the 250 mark. Also, if your credit is beyond excellent,
it may occasionally exceed 850, just to let lenders know
how creditworthy you really are.
Myth: Inquiries don’t affect a credit score.
Fact: Every time someone does a credit check on you, it
affects your score. There are 3 instances where an
inquiry won’t affect your credit, though. When you check
your own credit, it doesn’t matter. Also, if an
insurance company inquires, or a credit card company
sends you a pre-approval letter, those inquires don’t
affect your credit score. However, the fewer inquiries
you have, the better. That way you won’t appear
desperate for credit.
Myth: My credit score is bad, so it’s going to take a
while to get it back up.
Fact: This one is partly true. If you have a low score
and large debts to pay off, you might spend years trying
to right the wrong. However, if you can pay off all of
your debts that are outstanding in less than 3 months,
your credit score can improve drastically within 6
months or less. If you have good credit, it is far
easier to make it bad than it is to make bad credit
good.
It’s important to be informed about credit scores and
credit checks because you need to be an informed
consumer. You’ll be better able to use your credit and
make it work for you when you know what you’re dealing
with. You’ll also be better able to fix your credit, if
necessary, by being informed and prepared.
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Free Credit Report : Tools |
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