Step 1 - Check My Credit Reports

Check Your Credit Reports

In this first step, the goal is to get all 3 of your most recent credit reports as fast as you can. We need to create momentum so the light at the end of the tunnle gets bigger and bigger and that's exciting! Here a fast free and easy way to get your credit reports and a head start on step 5 at the same time.

5 Reason You Should Check Your Credit Report Today!

The information on your credit report has a way of impacting your life – one way or another. It affects your job, the home you live in, the interest you pay on your borrowings, including your weekly expenditures! While credit reports can easily be viewed for free online, according to a 2015 National Foundation of Credit Counseling study , approximately 67 percent Americans said they have not checked their reports in over a year! There’s a lot hinging on your credit report. Can you really afford to overlook it?

If you haven’t checked it in over a year, now might be the right time. Here are five reasons you should check your credit reports – and you should do it today:

Reason #1: There Might Be A Mistake on Your Credit Report That’s Already Hurting Your Credit Score

A report by the Federal Trade Commission in 2013 said that nearly 20 percent of consumers had some kind of errors in their credit report. Why should that bother you? Since it is precisely these reports that are used to create your credit card score, a small mistake here could mean that your credit score is taking a major hit. Your credit score is probably lower than it should be. As a result, you end up paying higher interest rates on your mortgage loans and on other borrowings.

Reason #2: Helps You Identify Identity Theft Or Credit Card Fraud

In the technologically advanced world today, identity thefts and credit card frauds have become more sophisticated. While it may not be easy for someone to get their hands on your private information, it is not entirely impossible either. If someone has been using your social security number to apply for credit, or has been using your payment information to make purchases, you may never detect it unless you pay a close attention to your credit card reports.

The initial fraudulent activities might be small, so it gets by undetected. They don’t want to raise the alarm just yet, so they operate under the radar. It is with time, when you’re hit with the big one.

Reason #3: It Is Your First Step Toward Building Credit

Keeping track of your credit report periodically will help you ensure that your personal finances are in good shape. It points out where you really stand when it comes to applying for new loans, like automobile or issuing new credit cards. Once you understand your financial position, you can make better decisions that will enhance and raise your credit score.

Reason #4: You Cosigned A Loan

Cosigning a loan can help a friend or family member receive a loan. However, what most people are aware of is that if your friend defaults on his or her loan, or makes late payments, this could impact your credit score! Regardless of how close you are, never assume that your friend will always make timely payments. Checking your credit reports regularly will help you detect this earlier on, so that you can take additional steps to eliminate or reduce its impact.

Reason #5: Did We Mention It’s Free?

Simply by trying a Credit Monitoring Service you can get Free Credit Reports

Here are some great ways to get FREE credit reports! Yes, not just a free credit score, but "your" credit reports - for FREE. Simply put, credit monitoring and credit scores all come from reviewing your credit report. And your credit report comes from the credit bureaus. So a credit monitoring trial period is a perfect way for you to get your credit reports for FREE.

The reality is that most credit monitoring services offer the same services just repackaged by different companies. QuickCreditRepair.com's editors have selected these credit report monitoring services because each of them offers something valuable for credit repair (like free credit reports) just for trying their credit monitoring service.

So if you're looking for free credit reports or free credit scores? Just sign up for one of the services with a free trial below and cancel before the trial period ends. This is completely fair and honest, after all you are accepting the credit monitoring company's "trial OFFER", so you can try it.  So try it!


Service Name:
Free Credit Scores:
Free Credit Reports:
Credit Monitoring:
Free Trial Period:
Rating:
Free credit scores
All 3 bureaus
 
Free credit reports
All 3 bureaus
 
None
 
Free once a year
Free credit scores
All 3 bureaus
 
Free credit reports
All 3 bureaus
 
All 3 bureaus
 
Free 30 days
Free credit scores
All 3 bureaus
Free credit reports
All 3 bureaus
All 3 bureaus
Free 14 days
Free credit scores
All 3 bureaus
Free credit reports
All 3 bureaus*
Only with the
Ultimate Trial
All 3 bureaus
Free 30 days