What is an Online Credit Report?
A Credit Article Contributed by Annie Bauers
What is an Online Credit Report and How Do I Get One?
An online credit report is a copy of your credit report that you can request on line. You to request n online credit report go online and do a simple search on your favorite browser titled online credit report. Your search will result in hundreds of online web pages that will offer a free online credit report. Simply fill in the information requested and in no time you will be able to print and look at your online credit report. A word of caution about going online to get a free credit report.
Remember that you are giving out your social security number to someone you don't know. So make sure you are logged onto a secure web site and that the company you are requesting your credit report from is a reputable, trustworthy business.
Does an Online Credit Report Have the Same Information As My Real Credit Report?
Yes an online credit report is a real credit report. In fact this is a quick and easy way for you to get a copy of your credit report. It is a good idea for you to review your credit report periodically. The reason for this is so that you can check for errors or other inaccurate information that is listed on your credit report.
When you get your online credit report all of the information you see listed on the credit report is the same information that a creditor sees when they look at your credit report. That is why if any information on your account is not correct you should have it corrected immediately. By getting an online credit report you will be able to review your credit report for errors and check your credit score to see if it needs to be brought up.
Will I Be Charged for an Online Credit Report?
Yes you will have to pay for an online credit report on most sites. There are many web sites that advertise free online credit report but most of them eventually charge you or require you to purchase something in order to get your free online credit report. One of the three credit bureaus, Equifax, TransUnion or Experion will give you a free credit report once a year or after you have recently been denied for credit if you request one from them and give them the reason.
If you go directly to one of the three bureau's website and request a free online credit report you can get one. but if you do this to get an online credit report make sure you are on Equifax, Experion or TransUnion's homepage because many of the other sites use the credit bureaus names and it appears as if you are on the credit bureau's link when you are actually on a link that belongs to a company that will most likely charge you. So use caution when getting an online credit report.
