Check Your Credit

Ensure your credit report is accurate, see who’s been checking your credit, and know what interest rates you’ll qualify for before you apply for new credit. I have picked three of the best credit reporting services available, and outline here what each one is best for.

Experian Triple Advantage America’s largest provider of credit reports and credit monitoring services, Experian Triple Advantage provides a copy of your Experian credit report when you try their credit monitoring service free for seven days. Cancel the trial at anytime within seven days and keep your credit report at no charge. Get Your Experian Credit Report Now

MyFICO.com MyFICO.com is the best place to get your credit score—because it’s the only place to get your actual FICO score, the score lenders use more than any other. They also provide a copy of your credit report. You can choose to get your score free with a 30-day trial of their Website membership (after the trial it’s $99.95 a year) or purchase your score and credit analysis for a one-time charge of $15.95. Get Your FICO Score Now

Protect My ID.com Includes identity theft protection. Most credit report checks don’t do anything to help protect your identity from fraud. With ProtectMyID.com by Experian, you’ll have access to your own credit report and the peace of mind that you’ve got help protecting your identity free for 30 days ($9.95 a month if you continue). Get Your Credit Report and ID Protection Now

Notes on Checking Your Credit

• Checking your credit will not cause your credit score to go down.
• You have three separate credit reports. Of these offers, only GoFreeCredit 3-in-1 provides all three.
• If you are concerned about identity theft, I strongly recommend subscribing to ProtectMyID’s protection service for just $9.95 a month. It’s like insurance for your credit profile, and if you ever become a victim of ID theft, you’ll be glad you have it.
• Remember to cancel the free trial of services within seven or 30 days to avoid being charged.