Free Credit Reports; have you wondered where to get one? There are so many different web sites out there offering this service, since it is so important these days to know what's being reported about you. Everyone knows you can go once a year to annual credit report to get a free one, but there are limitations that most don't know. Here are the issues with this service.

1. No Credit Score

2. You only get access once a year.

Just about every lending institution that looks at your creditworthiness looks at your score, so shouldn't you get your free credit score report as well? Every 3 seconds identity theft takes places, so do you think checking your report once a year is good enough? I have discussed in previous articles about the importance of checking your report every 60 days, because it does not affect your score and a lot of negativity can be reported about you. Lets assume you are getting ready to make a big purchase, or you have just have been denied for a credit application, if you were better prepared you could of done the following.

1. Negotiated a better interest rate

2. Instead of being told no, you were told yes, because you were on top of your credit situation.

3. Maybe you got the job, because your credit showed you were a responsible person.

4. Your insurance premium is lower

Do you see how not properly managing your credit can sneak into all aspects of your personal life? It's amazing how your credit is the determining factor for a job these days, but with the internet now, you can get access to your profile within a few key strokes securely on-line.

I am sure you are still wondering which report to get, well you should get a 3-1Free Credit Score Report with all 3 scores. This way you get the entire picture, just like the creditors do. You also should sign up for monitoring, that way you are notified when critical changes take place to your personal report. This is absolutely so important I would recommend getting starting as soon as you are done reading this article. I have also mentioned before that some individual may not even marry you, because of your bad credit, wow, this credit stuff is really serious business these days. The need to know is so strong that you need not wait. I would get your Free Credit Score Report now.