View Your Free Annual Credit Report Com – Avoid Credit Repair Companies

Posted on 28. Feb, 2013 by .


AnnualCreditReport.Com - Credit Report ; Credit Score ; Credit History. All things that you need to know about credit repair company to fix credit report or increase credit score.  Before you read this article, you need to note that credit counseling are different than credit repair company.  .

If you’re in serious demand of fixing your own credit score, you might be considering to go to a credit repair firm. The are a lot of these companies you can easily find out there. However, it’s much better to try to learn your your own credit report by checking your own annual credit report regularly, start  from there you will know what you need to do next if something is not like you expected, by going to credit report companies or just do it yourself……..

Below are some reasons that you should repair your own credit and avoid a credit repair company.AnnualCreditReport.Com

Many Employee Black Hat Tricks

Many credit repair companies perform black hat tricks to boost your credit in the near term. These tricks can range from shady to downright fraudulent. Below are two tricks that are often used.

Many companies will dispute everything on your credit report. Because the credit bureaus cannot respond to all of the disputes within the 30 day period required by law, they must remove the unverified information from your .

In the near term, this appears to be a good solution. Unfortunately, much of the information that was removed will eventually be verified and added back to your report. If you received any new credit during the time period that the valid items were not on your report, you could face legal issues.AnnualCreditReport.Com

Some firms have you establish a new identity by using an Employee Identification Number (EIN). By using the EIN (some agencies even suggest you use the EIN as a SSN), you can get a fresh start and begin building your new credit.AnnualCreditReport.Com

The problem is creditors will often catch this. Now you have taken on a new identity and received credit under false pretenses. Not good. You, not the credit repair agency, can be prosecuted or run into a sea of legal issues. AnnualCreditReport.Com

Annual Credit Report Com

Few Deliver Results

Few credit repair firms actually deliver positive results. Because credit repair is a new industry, there are no standards or key indicators to judge whether a firm has done a good job for the price paid.annual credit report com

In addition, deceptive advertising is so rampant that a federal law called The Credit Repair Organization Act was developed to help protect consumers from deceptive advertising and business practices performed by credit repair companies.AnnualCreditReport.Com

They Are Expensive

Repair companies are often expensive; not an attractive feature when you are trying to get out of debt. If you are considering paying expensive fees to improve your damaged credit, it may be time to take a look in the mirror.annual credit report com

If you can repair your credit for free, then isn’t paying expensive fees financially irresponsible? Repairing your own credit is a step toward making better financial decisions by being more resourceful and saving money; money that can go towards paying debts.AnnualCreditReport.Com

Summary –

Repairing your credit is not complicated. By reviewing your free annual credit report com, you can ensure that good items are on your report, bad items that are old get removed, and that your report doesn’t contain someone else’s information. Take the leap and become more resourceful, leaving you with more money to pay your debts.annual credit report com

Provided by Adam VanBuskirk, the owner of Free Annual Credit Report and Scores []

Annual Credit Report.Com

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Annual Credit Report From the Government – Get It For Free

Posted on 05. Feb, 2013 by .


AnnualCreditReport.Com  – Free Annual Credit Report fro 3 Major Credit Agencies is provided for all US Citizen that accessible through the website: AnnualCreditReport online. This is indeed extremely important information which has been consolidated by three major credit bureaus – namely Experian, Equifax and TransUnion. They provide you with this important piece of paper without any payment. It is absolutely free of cost. Just like your statement of account from the bank which is primarily to be aware of the money in your account.

This also talks about money, but it targets your financial credibility in the market. You will be able to know with the help of this credit annual report about your fiscal status in terms of how well you pay your loans and debts and how you are rated in the financial market with the financial institutions. This free credit report from the government is important tool for both parties – for the lender and the borrower.AnnualCreditReport.Com

AnnualCreditReport.Com Benefits

Free annual credit report has various benefits that you stand to gain from. It is an identity tool. Wherever you have to confirm your identity, you can show this document and no questions will be asked. Secondly, with so many cases of identity theft being reposted every day, this will prevent the numbers from rising. People who have been ripped of their identity and all their life’s savings taken away, take months to restore their identity and years to put together all that saving.

Every person who is minimum of eighteen years or above and is a permanent citizen of the USA can apply for this freecreditreport. This can be obtained by requesting online through the central website of This can also be requested via e-mail or by telephone. Once a year you will not have to pay for annual credit report. You can order it from all three credit bureaus at one time or at different times.

General information


Free credit report can be obtained from only one authorized website. Watch out for imposter websites that claim to be authorized. All these websites want is to take your details and misuse them somehow. For this report you will need to give social security number, address, name and date of birth. Along with this you will also be required to furnish your last residing address, in case you have moved in last two years of date that you are requesting for your free annual credit report. To secure your file further, you may be asked for some info, which only you know.

Please, click here to find out more about free annual credit report and free credit report government.


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Free Annual Credit Report Include Scores

Posted on 28. Jan, 2013 by .



Having good credit report and credit score is extremely necessary in this day and age. A blemished credit report can get in the way of you wanting to buy a home, a car, getting a job and even renting an apartment. So taking good care of it is very important and shouldn’t be taken lightly.

There are many websites available that offer free reports. They will provide the customer with a free credit report once a year. This report will be active for 30 days and will allow the user to print the report, dispute inquiries and change invalid information. This does not come with a free credit score, but it can be purchased for $6.95. Which is a great deal!AnnualCreditReport.Com

There are other websites offering a free annual credit report and score. Perhaps you’ve heard their widely popular commercials. These companies will allow you to receive it for free, but in turn you will have to enter into a membership plan. This membership will allow for Triple Advantage to charge your credit card $14.95 a month. Having a membership with these companies will for you to check not one but all three of your reports any time you like and how often you want.


Monitoring your credit report is essential for staying up to day with items that shouldn’t be on there. It can also reduce your chances of having your identity stolen which can be very stressful. Monitoring your credit can also keep you up to date on things that are needed for you to improve your credit score and deem you more credit “worthiness”.

Remember, your free annual credit report should be cherished. If used correctly it could bring much happiness and less stressful situations, but if it falls into the wrong hands it can take many years to fix it. Which can cause stress and sometimes even depression.AnnualCreditReport.Com

Final Tip: The first step to get your free annual credit report  fixed and your scoring improved is getting a creditreport from one of the best Credit Reporting Services [] in the market. Take advantage of the free trial offers and cheaper prices offered.


Hector Milla runs the [] website – where you can see his best rated credit reporting offer.


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