A free credit report online is possible to find,  however you need to be aware that the details provided in most so called  ‘free’ personal credit reports is always going to be a very limited.  If you are just curious as to what your credit score is, these reports will be sufficient for you.  However if you want a detailed record of your credit history you are going to have to pay for the service.  Most sites that offer a free credit report online also offer a more detailed one that becomes available when you sign up with a paid membership to their site.

Don’t lose heart though. One site I’ve come to use to get a free credit report online is in fact called free credit report online.com.  Take out the spaces there and you have the address to a decent credit report service that is for the most part free of charge.

The catch with getting a free credit report online with them is that you have to sign up for membership with an additional service that will eventually cost you a repeating monthly fee.  However, the first month does not have a fee, and the membership can be canceled at any time.  So assuming you remember to cancel it, you can get a free credit report online that actually is free of charge.  There are a few other sites like ‘freecreditreport.com’ that offer similar arrangements as well.

It’s a good idea to keep an eye on your credit score and well worth the effort in my opinion.  I check my credit information every few months just to make sure nothing  untoward is going on; credit ratings are like gold these days and you have to make sure you take care of yours.

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tags: free credit report online, credit information