Personal credit reports are requested every single day. This is largely because of changes in U.S. laws that allow citizens to receive one free copy of their files once every 12 months.
Personal credit reports are processed and generated by one of three U.S. major credit bureaus: Experian, Equifax, and TransUnion. The records these bureaus produce tell lenders and creditors the following about a person:
If you want to keep track of your entire personal and financial history, you can. This would help so that you can protect yourself from identity theft. It also will help you make changes and prepare you for cleaning up your credit.
Identity theft insurance and protection -To help prevent and pay for financial loss in case of identity theft and to help prevent it from happening in the first place
Careful status observation-E-mail alerts sent to you when a change appears on your files and updates of all types every time new information is released about an account you have
Credit score calculation-Tracking of your current rating so that you can easily assess by yourself how creditworthy you may be
Free help-Answers to questions about interpreting what is included your files; knowledge base about how to read personal credit reports
In Regards to personal credit reports, if you would like a free copy of your files you should go to AnnualCreditReport.com. However, if you want additional premium services you may want to try any of those offered by National Credit Report.
You could also use one of the three major U.S. credit bureaus (Experian, TransUnion, or Equifax). For instance, you might want to use Triple Advantage®, 3 Bureau Credit Monitoring, or Credit Watch Gold.
These all have varying features. The suggestion is to compare them before purchasing subscriptions.