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Free Credit Rating

There are several ways to get a free credit rating along with your free credit report. Your credit rating helps others identify you as either a good or bad candidate for credit. Your credit rating is based among other things on your credit history. A free credit rating is usually given to consumers as a way of encouraging them to purchase a credit monitoring service. A free credit rating and free credit report may come together with a 30-day no obligation trial of a specific service. You can almost always cancel that service within 30 days, but credit report companies are hoping you won't. In the end it is up to you.

You want to maintain a good credit rating so that financial institutions will see you as a responsible consumer. Checking your free credit rating at least two times a year will help you determine where you stand.

Your free credit rating could help you find out if you have the credit you think you have. Many people think they have better or worse credit than they really do, but they don't find out until they check their free credit rating. Find out for yourself what your free credit rating says about you.