Your credit score is important. More so now than years ago, since even prospective employers are looking at credit scores during the hiring process. They are looking for responsibility and reliability and believe the credit score can help them in their hiring decision. (And your ‘reasons’ for a low score don’t carry much weight.)So it’s imperative to keep track of your score and to review on an annual basis, but not more than that because, amazingly enough, checking your credit score can lower your credit score. Keep that in mind any time you apply for a new card or a loan. Each of those applications also includes a check into your score. But where do you go on your annual check to get your score? How bout those three singing dudes on TV? They have a ‘free report’ website – or do they?
They may have had a catchy jingle years ago, but by now you are probably tired of those three guys from Free Credit Report commerical. Oddest part is, even though they only play extremely simple songs, they are not playing their instruments or singing, simply miming the action and lip syncing.
The downside to the commercials, apart from the fact that they are really getting old, is that the service they are offering is not really free. You’d think it would be, with a URL like that, but the service is definitely trying to upsell you from the moment you plug that web address into your computer. So what should you do?
Well, on this one the federal government has come to the rescue. (to some degree) AnnualCreditReport.com is the website of choice if you want to get your numbers without the barrage of ads and pop-ups. To begin the process, just got to the site, select your state and press the request report button.
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