Yes. You may also obtain a copy of your credit report from companies who contract with the CRAs to sell their products. Many of these products are available on the Internet. Some companies sell a merged version of all three reports. They also provide credit monitoring services that alert you to activity on your report, such as any new credit accounts, the placement of negative information, inquiries from creditors, and so on.
Now that federal law requires the “big three†credit bureaus to each provide you with one free credit report per year, the companies that re-sell credit reports will no doubt be more aggressive than they currently are in soliciting your business. Ask yourself if you really need to spend money to obtain a copy of your credit report, now that free reports are available nationwide from the major credit bureaus. Be careful to examine these companies and their offers carefully. Do your homework before signing on the dotted line. And do not fall for the promises of "credit repair services" and "credit doctors" who advertise on television and on the Internet. The vast majority of such services are ineffective, even illegal. Additional information on credit repair services is provided below.
RSS
Yes. You may also obtain a copy of your credit report from companies who contract with the CRAs to sell their products. Many of these products are available on the Internet. Some companies sell a merged version of all three reports. They also provide credit monitoring services that alert you to activity on your report, such as any new credit accounts, the placement of negative information, inquiries from creditors, and so on.
Now that federal law requires the “big three†credit bureaus to each provide you with one free credit report per year, the companies that re-sell credit reports will no doubt be more aggressive than they currently are in soliciting your business. Ask yourself if you really need to spend money to obtain a copy of your credit report, now that free reports are available nationwide from the major credit bureaus. Be careful to examine these companies and their offers carefully. Do your homework before signing on the dotted line. And do not fall for the promises of "credit repair services" and "credit doctors" who advertise on television and on the Internet. The vast majority of such services are ineffective, even illegal. Additional information on credit repair services is provided below.