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Free instant credit reports online are slick marketing gimmicks. That's a tough statement but it is a fact. There is only one reliable source recommended by the U.S. Government for a free instant annual credit report. Only one! The others are marketers trying to get you to sign up for services to trick you. And, even the government approved provider charges extra to give you your credit score.

I am sure you know that your credit report is actually a detailed record of your credit activity. It contains the details reported by various financial and government sources which have been added to credit bureau records. This credit report gives detailed information about the financial position of your personal and business activities. Your credit report hides nothing. It reveals the best and worst about your money management. On the positive side, your credit history may show mistakes and errors that can be corrected and, once erased, can improve your credit score.
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We know that a good credit report is an added advantage if you are looking to purchase something very expensive. For instance, if you are considering buying a boat in the near future you need to have a strong credit history. A strong credit history is just about the only way to show banks or money lenders that you are credit worthy. It is important to keep track of your credit history and credit score. Keeping on top of your current credit report and credit score is a must do practice. It is a good practice to check your credit report at least once every six months.

I said earlier that free instant credit reports online are marketing gimmicks but you still might consider signing up for a credit monitoring service some of them offer. Let me explain my contradiction. While these can cost upwards of fifty-dollars a year, you get some important advantages. These services constantly monitor your credit activity and instantly notify you as it occurs. This allows you to see if anyone is accessing your finances without your permission so you can take action if needed. Credit monitoring does the work for you. Remember, checking your credit report helps in protecting your credit rating and it also helps you to keep a check on your creditors. There may be times when your creditor might fail to report payments or purchases. You want your transactions to be posted to your report which helps your total credit score.
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The first thing your free credit history shows is a complete summary of your personal statistics. It contains your legal name, a listing of all your recent and prior home addresses, current contact phone number, Social Security number, date of birth and your current and past employment history. The information you need for handling your finances comes next in your history. It also lists any bankruptcy, payment history including late payments and collections. And, you will see when your financial institution runs your credit report to keep their information on you current. Your financial health is determined by the credit history in your free instant online credit report. You can easily get educated and take control of your financial life.
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