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Instant free credit reports on the Internet are mostly scams. That's a pretty strong statement but it is a fact. There is only one true source recommended by the U.S. Government for a free instant annual credit report. Only one! The rest are pushing paid services to trick you. And, even the government approved provider charges extra to get your credit score.

I am sure you know that your credit report is actually a complete record of your credit transactions. It contains the statistics sent in 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 good and the bad. On the positive side, your credit history may expose 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 important advantage if you are looking to purchase something very expensive. For instance, if you are considering buying a home in the near future you need to have a credit history that is above average. 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.

At the beginning of this article I said 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 financial activity and accurately report that activity to 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 allows you to monitor your creditors. There may be times when your creditor might fail to report payments or purchases. You want every transactions to be posted to your report which helps your total credit score.
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A free instant online credit report begins with a complete summary of your personal statistics. It contains your legal name, the list 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 managing your finances comes next in your history. You will also see 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 future will depend on the credit statistics in your free instant online credit report. You can easily get educated and take control of your credit history.
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