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Free Instant Credit Report

Competition and new technology in the market is allowing for companies to offer a free instant credit report. In fact, you can get a free instant credit report from Experian by visiting your home page and selecting "free credit report." A free instant credit report means that you can see your free credit report online usually within 2 minutes. Along with your free instant credit report you also receive a 30 day trial of a credit monitoring service. This service allows you to keep track of your credit report and make sure that everything is correct. You can cancel the service at anytime within those 30 days and never have to pay a dime.

If you're like most people, you probably have never seen the same information banks, landlords, retailers, mortgage companies, employers and insurance companies use to judge your credit. That is why it is important for you to see your free instant credit report.

• Check for inaccuracies or omissions before they could negatively affect your credit worthiness.
  
  
• Find out why you've been denied or granted credit. The information on your credit report is the same information used by lenders concerning your credit.
  
  
• Find out who has been looking at your credit history lately. It could be credit card issuers, mortgage companies or even your employer.
  
  
• Make sure your credit report is complete and accurate before you apply for credit.
  
  
• Help protect yourself from possible credit fraud. Review your credit report carefully, any strange accounts or addresses may indicate possible fraud.