Free Personal Credit Report - How to Legitimately Get a Free Credit Report

By Matthew Couch

There are many ways to get your free personal credit report and obtaining this information is easier than ever. I'm sure you've seen commercials and other advertisements to get a free credit report. Do you really think that these companies advertise if they weren't profitable? Of course not. In order to get a free personal credit report you will need to give them your credit card information.

These credit report services strongly promote their credit protection services and will automatically enroll you in their program for the cost of around $15 a month. Their hope is that consumers will forget to cancel their 7 day free trial. If you just want the free report and don't want to pay for credit protection, which is overrated in my opinion, all you have to do is cancel your membership within the 7 day trial period.

If you have never gotten a free personal credit report it is really important that you do this at least every couple years. Your credit rating has a significant impact on your ability to get a personal loan, buy a car, get a mortgage, and even getting a job. If you don't get a free report then you will never know if errors have been made that adversely effect your credit. These errors are more common than you think. As unsettling as it may be, errors to peoples credit scores happen on a frequent basis. These errors often go unnoticed and will stay there forever unless you view your personal report.

A free personal credit report will help individuals fully analyze their credit history and get rid of any errors that may be adversely effecting your credit right now. Knowing your credit score is not enough. You need to get a free report if you haven't done so yet.

Like I had mentioned before, the free personal credit report services will ask for your credit card information and will hope that you forget to cancel your subscription within the seven day free trial. While their credit protection services that they promote are somewhat valuable for people with extremely bad credit, they are not needed for the average joe who just wants to get a legitimate free report. Simply fill out the application, wait a couple days until you get your free personal report, and then cancel your subscription. It's that easy.

To get a Legitimate Free Credit Report check out the following link:

Get a Free Credit Report

Matthew Couch is a graduate student of The Ohio State University Fisher College of Business where he majored in finance. His areas of specialization include e-commerce, financial markets, and the payday loan industry. His goal of the majority of these articles is to educate consumers on financial subjects. Hopefully my years of experience in the financial industry will help consumers make wise financial decisions.