Credit history check free San Antonio

But there's a catch: many of these "free" reports and scores actually cost money. Let's take a look at a few of these websites to see what they really charge. TUTORIAL: Credit Cards Credit Reports vs. Credit ScoresBefore you check credit history check free San Antonio anything, know the difference between a credit report and a credit score. A credit report shows all of the credit accounts in your name, how long you've had them, how much you owe credit history check free San Antonio and whether you pay on time. A credit score is a three-digit number between 300 and 850 that lenders use to assess the risk of lending to you. (For related reading, see Consumer Credit Report: What's On It.) "Free" Credit Report And Credit Score Websites Explored What follows is not an exhaustive list of sites advertising free credit reports or free credit scores, but it will give you an idea of what to look out for.

FreeCreditReport.comFreeCreditReport.com is probably the most heavily advertised site.

You've credit history check free San Antonio heard the jingles on TV about working as a pirate in a restaurant and living in credit history check free San Antonio your parents' basement. identity theft protection

One is "Get Your Instant Credit Report & Score credit history check free San Antonio for $1." The top of the webpage says, "When you order your $1 Credit Report and credit history check free San Antonio Score here, you will begin your 7-day trial membership in freecreditreport.com.

If you don't cancel your membership within the 7-day trial credit history check free San Antonio period, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime credit history check free San Antonio within the trial period without charge." There are no surprises here, though one might argue that the name of the website is a bit misleading. The second offer is "Free Credit Report Delivered in 2 Days." The site states that no credit score is included in this offer and that no credit history check free San Antonio membership is required. identity theft protection

It's credit history check free San Antonio difficult to tell what you're really signing up for before you are asked provide your Social Security number, though. The terms and conditions state that you are required to provide a credit card number to receive your free report, and you will be asked if you want to purchase your score. If you do order your score, you will be enrolled in a trial of freecreditreport.com Credit Monitoring. Presumably, as with the previous offer, you will be credit history check free San Antonio billed $14.95 per month if you don't cancel. Furthermore, why would you want to credit history check free San Antonio wait two days for a credit report that other sites offer instant access to?

(For related reading, see The Importance Of Your Credit Rating.) FreeCreditScore.comFreeCreditScore.com makes it quite clear that you're signing up for a free trial of a credit monitoring service to get your free credit score.

The homepage says "Start Your Trial Here," "Get Your FREE Trial & FREE Credit Score" and "When you order your free credit history check free San Antonio credit score here, you will begin your 7-day trial membership in freecreditscore.com. my credit report free If you don't cancel your membership within the 7-day trial period, you will be billed $14.95 for each month credit history check free San Antonio that you continue your membership.

You may cancel your trial membership anytime within the trial period without charge." You have to provide your credit card information to get credit history check free San Antonio the free trial. The website'credit history check free San Antonio s name might be somewhat misleading, but the site itself is not.