By Kevin Mercadante
One of the best things that you can do for your financial future is to check your credit report on a regular basis. This is the premise behind FreeCreditReport.com. This company has been around since at least 2004 which makes them one of the veterans in this online space. It is likely that you have seen their very catchy commercials on television with the guitar singing gentleman humorously referring to his identity theft trials and travails. They do a good job at offering a $1 free credit report and score. You will also be enrolled in a free 7-day credit monitoring membership.
There are a number of excellent basic services and features offered through FreeCreditReport.com. This includes the ability to receive your credit report and an estimated credit score for just $1. This is delivered to you within 2 days and you are automatically enrolled in a free 7-day trial of their credit monitoring service. You also have the option of simply receiving a free credit report, without the estimated credit score or any type of free trial membership. The online reporting system is quite nice, with a very comprehensive range of information to help understand what is contained in the report. It is very easy and user friendly, fast and includes a number of cool add-ons and additions.
The third basic plan is the option to receive your credit report and score instantly for $1 (this offer also includes the free membership). Just be aware that membership will automatically renew at $19.99 per month. The best extra feature offered is their Score Planner, an assessment of which factors are most important in ranking your credit score. Input factors such as loans (and type), credit cards, retail cards, etc... and get a personalized report detailing all your risk factors.
Signing up for the service is quick and easy, with just a few small screens of information required. Most of this is just basic contact info such as name and address. Simply follow the directions and complete the forms. You may make the small payment with whatever credit or debit card you like. Just make sure to read the fine print, which spells out the details of the membership and trial offer. Basically, you can cancel within 7 days and be free of any obligation. If not, the membership will renew monthly at the agreed upon rate (currently $19.99).
The free trial extends for 7 days and gives you access to a really comprehensive credit monitoring service. This service actually gives you unlimited access to your Experian credit report along with daily monitoring and alerts for any type of suspicious activity. Furthermore, bi-monthly score monitoring and alerts are included. One of the best options, however, might be the fact that you receive fraud resolution support should there be anything related to incorrect items or downright identity theft. There is also a ChildSecure option that helps monitor credit taken out or used in your child's name. The additional fee for this is only $6.95 per month.
Customer service is offered in a number of forms. The website itself offers a number of very helpful frequently asked questions that should clear up most questions or concerns. Of course, they also make it very easy to contact the company through email or even a toll free phone line. Engage in an online chat session for even more immediate answers. Either way, the representatives are friendly, helpful, and quite knowledgeable about everything related to credit and monitoring.
The control panel once signed up and inside your members area is very user friendly. Actually, everything is quite intuitive and very easy to perform any desired function from viewing your credit report to the various types of alerts. New alerts and reports are automatically placed in your member area as they become available, so be sure to log in every day and keep updated on all account activity.
Viewing your credit report is important these days. Having an easy to use and low-cost monitoring service is also needed. FreeCreditReport.com is strongly recommended on both fronts.
475 Anton Blvd.
Costa, Mesa, CA 92626
About Kevin Mercadante
Kevin Mercadante is a freelance professional personal finance blogger,