Introduction
Credit score is always a very important figurer especially for the people who may want to borrow loans to finance their projects. They should therefore be able to obtain their credit ratings anytime they may need to use it. This is however not the problem. The challenge lays in finding free credit score report. There are several websites that claim they are offering free credit score report; however, this is not always the case as they may have some hidden charges that they charge the clients.
Step 1
Most websites will take an applicant through a lengthy process of filling for the free credit score report before they request the customer to make the payment. Since most people would not be willing to repeat the process again with other websites, they end up paying. This is however the applicant’s choice to pay since the website does not force them. Some websites will also ask for the customer’s credit card number and charge them after some time when they might have forgotten.
Step 2
To get free credit score report, an individual needs to identify a reputable company that is actually offering these services for free. This information may be obtained from friends and relatives who may be receiving their credit score report free of charge. An individual may also check on those websites listed on Google and decide on the guanine ones.
Step 3
Clients also need to be very careful with those websites that may require them to provide their credit card numbers and their credit card pin numbers. This is because they may use these details to charge the clients without their knowledge. It is therefore very important for clients to be on the lookout for such websites as they may claim to be offering free credit card report while in the long end charge clients for these services.
Step 4
Most of the customer care phone numbers for the genuine websites that offer free credit score report are always toll free. The customer should therefore be on the lookout for those websites that are charging for making contact phone calls. These companies may not be the genuine ones that offer free credit score report. They should therefore be avoided if an individual is not willing to pay for these services.
Step 5
The duration that is usually taken for an individual to receive the free credit score report usually vary depending on the method that one uses to request for their credit score. Those who apply online always stand a better chance of knowing their credit scores instantly. Websites that may delay this information even when the application is done online may be looking to charge the applicant and should be avoided.
Conclusion
It is always the responsibility of the federal trade commission to ensure that the client’s details are kept secret. This will ensure that the client is capable of obtaining free credit score report since the details are only known by the client. Even though it may not be very easy to identify genuine websites that give free credit score report, the applicant can always avoid paying for these services by not revealing their credit card and bank details to these websites.
