In case you were born without sensory organs and don't already know this, the major U.S. credit bureaus track pretty much every bill you don't pay on time and then hold it against you later when you're trying to get a decent loan on a car or a house. It's a good idea to know in advance how badly they're going to stick it to you.

Keeping an eye on your credit is the best way to stay on top of this situation and keep your credit in good standing. It's also the best way to figure out if an illegal alien has forged your SSN, stolen your identity, opened seven credit cards in your name and charged $22,000 worth of home electronics to furnish his apartment. That'd be expensive for you in the long run. Monitoring your credit, on the other hand, is free.

 


Free Credit Score
Adaptive Marketing
Get your credit report and credit score free from Adaptive Marketing. They also offer other services as part of their membership program such as insurance against identity theft, unlimited copies of your credit report and credit score and automatic weekly credit and fraud alerts.

Signing up as a member is simple and takes just a few moments and can help protect you against identity theft. Keep an eye on your credit and your financial well-being.

Adaptive Marketing




ConsumerInfo.com
Get a free Experian credit report when you register for a free 30-day CreditCheck Monitoring trial. You'll be able to watch your credit report for unauthorized changes and get email updates when things change.

You can also order a credit report from all three major reporting companies, with FICA score, and see where your credit stands. Your credit score is important to getting approved for credit cards, auto loans and even a mortgage. Make sure you keep a good rating.

ConsumerInfo.com

What's Your Credit Score?



Order your 3 bureau merged credit report today
CreditReporting.com
CreditReporting.com gives you the ability to buy your credit report from all three credit reporting agencies, with or without score, and have them delivered to you either online, or in the mail.

This site also offers other things such as articles on managing your credit, preventing identity theft and how to dispute inaccuracies on a credit report. It also gives you tips on things such as bankruptcy, credit during/after a divorce and how to inprove your credit.

CreditReporting.com


OnlineCreditInfo
OnlineCreditInfo offers a 3-1 credit report (from all three credit bureaus) and you can add your FICA score or get a credit analysis. They offer articles on how to watch your credit, dealing with the credit bureaus, how to rebuild your credit and others.

They allow you to monitor your credit to make to let you know whenever a query is made against your report or a new line of credit is opened. They'll even help you find a credit card if you're having trouble getting approved elsewhere.

OnlineCreditInfo

Free Credit Report



Order your 3 bureau merged credit report today
AnnualCreditReport.com
This is the site setup by the big three credit agencies to help you get a free credit report. You can request a report through the website, through the mail or by telephone.

You should check your credit every 12 months to make sure there are no lines of credit you are unaware of. A bad credit report can drastically raise your interest rates or keep you from getting the loan you want.

AnnualCreditReport