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Free instant credit reports online are after your money. That's a rather harsh statement but it is proven. There is only one reliable source recommended by the U.S. Government for a free instant annual credit report. Only one! The others are pushing paid services to trick you. And, even the government approved provider charges extra to get your credit score.

I would be surprised if you did not know that your credit report is actually a complete record of your credit history. It contains the information collected from various financial and government sources which have been added to credit bureau records. This credit report gives detailed information about the financial position of your personal and business activities. Your credit report reveals everything. It reveals the good and the bad. On the positive side, your credit history may show mistakes and errors that can be corrected and, once corrected, can improve your credit score.
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Remember that a good credit report is an added advantage if you want to buy something very expensive. For instance, if you are considering buying a boat in the near future you need to have a healthy credit report. A strong credit history is just about the only way to show banks or money lenders that you are credit worthy. How often should you check your credit history and credit score? Keeping on top of your current credit report and credit score is a must do practice. It is a good practice to check your credit report at least once every six months. 

At the beginning of this article I said that free instant credit reports online are marketing gimmicks but you still might consider signing up for a credit monitoring service some of them offer. Let me explain my contradiction. While these can cost upwards of fifty-dollars a year, you get some important advantages. These services constantly monitor your credit activity and immediately report that activity to you as it happens. This allows you to see if anyone is accessing your finances without your permission so you can take action if needed. Credit monitoring does the work for you. Remember, checking your credit report helps in protecting your credit rating and it also allows you to monitor your creditors. There may be times when your creditor might fail to report payments or purchases. You want every transactions to be posted to your history which helps your total credit score.
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A free instant online credit report begins with a complete summary of your personal statistics. It contains your legal name, a listing of all your recent and prior home addresses, current contact phone number, Social Security number, date of birth and your current and past work history. The information you need for managing your finances comes next in your history. You will also see any bankruptcy, payment history including late payments and collections. And, you will see when your financial institution runs your credit report to keep their information on you current. Your financial health will depend on the credit statistics in your free instant online credit report. You can easily get educated and take control of your credit history.
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