Free Annual Credit Report

free annual credit report

Welcome to the Free Annual Credit Report blog. First of all, your financial future is dependent on two very important factors. Your Credit Score and your Credit Report.

Here is the breakdown:

Credit Scores can effect your financial health in huge ways. Your credit score is a number that ranges from 300 to 850. The higher the number the more likely you will have easy access to credit and employment opportunities.

In other words, the less risky you appear to a potential lender or employer. If your score is not where it should be, you will need to improve your credit score before applying for any credit.

Did you know that a (30% or less) debt balance will quickly raise your credit score?

Your credit score is determined by the information that is in your credit report file. Credit reports list the particulars on all your credit accounts. Credit Reporting Companies list details about real estate, installment, revolving credit and collection accounts. They include the date the account was opened, terms, high balance, and a seven year payment history.

Credit Report Checklist:

  • 1) Get Your Credit Reports and Credit Score
  • 2) Look for any inaccuracies in your file for:
       a) Your Name
       b) Social Security Number
       c) Current Address
       d) Previous Addresses
       e) Current Phone Number
       f) Marital Status
       g) Employment History
       h) Are All Listed Credit Accounts Yours?
       i) Payments Made and Current Balances
    j) Identity Theft
  • 3) Be sure to file a dispute with any credit bureau that does not have accurate information in your credit report.


Our goal at is to give you the information you need for getting your annual free credit report and credit score.

We recommend that you first take a look at your free annual credit report to see where you currently stand financially. Then return to this site to check out all our other financial blog posts.

Important areas of focus on this site are to help you get out of debt, save more money, offer ideas for adding additional sources of income, and financial investment strategies.

Your auto insurance rates may be (higher or lower) based on your credit history?

Many of our articles show you how to clean up your credit report file, improve your credit score, offer identity theft protection tips, reviews on credit monitoring services, and investment strategies for building personal wealth.

free annual credit report

Is annual credit report safe you ask? Yes it is, absolutely. You can request your credit report once every 12 months from each of the three consumer reporting agencies, Equifax, Experian and TransUnion.

These are the best free credit reports and will let you know where you are financially.


Most of all, as you move up the financial ladder you will begin to feel better, sleep better and walk with a swagger you haven’t seen in a while. Take action and get your annualcredit report right now.

Get Your Free Annual Credit Report

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