If you have been trying to find a reliable place to access your credit report from, you may have been looking at expensive credit report agencies which charge you a fortune to access something which should really be free.
Unfortunately, a lot of people get sucked into this, and end up thinking that going through a credit reporting agency is the only way to go about acquiring a copy of your credit report. This is simply not true, and there are a number of other ways to do it. In fact, you can do it right here on the Internet, for free.
It seems that these days, companies are out to earn as much money off you as possible. Regardless of whether they are charging you for a service which you could get elsewhere for a much lower cost, they are happy to go ahead with their deceitful tactics, in order to gain a quick buck.
However, this plan may be backfiring. These days, consumers are much more cautious about handing over their cash for things such as credit reports. This may be one of the reasons why credit reporting agencies are finding it harder to survive in the current economic environment.
This makes quite a bit of sense. It is a right that you should be able to access your credit report and history without having to pay for it. After all, it is something that has kept on your behalf, and hence the companies which monitor and enact transactions upon your report are all responsible in one way or another to you.
As we have already said, the Internet is probably the most readily available place where you can access your credit report. In a sign that the industry is changing, credit report agencies have caught on to the fact that consumers are willing to pay large amounts of cash to access something which they can get elsewhere for free.
Hence, we are now seeing that an increasing number of companies are using a different business model. The advertising supported website model is a good one. The more traffic that comes to the website, the more the company earns of advertising revenue. Additionally, because they are willing to charge nothing for the service of accessing your credit history, the quantity of people visiting the website gets pumped up.
It's a win-win situation. So go ahead - access your credit report today and get on top of your credit status for the future.