Free Credit Report Dispute Information
2010
Credit Reporting Services- Are Paid Options Better Than A Free Credit Report?
Any smart consumer will monitor their credit standing. Since it doesn’t take much to make a credit score plummet, it’s wise to check your credit report at least yearly.
Everyone is entitled to a free credit report once a year, or anytime credit has been denied. But what about the paid options? Are they worth it?
FICO Scores
A free credit report won’t show you what your actual score is. Rather it will show you all the items that are reflected in the report. The scoring system is done by a private organization with data gathered from your credit bureau reports.
Paula de la Torre Editor of the “Best Credit Reporting Services” website — http://www.CreditReportsAndScores.biz — pointed out;
“… These scores are what many lenders use to determine your credit worthiness. If knowing your score is important, then you will need to utilize a paid service…”
Credit Monitoring
Many paid services will monitor your credit report on your behalf. If anything changes, something is added or dropped, or there is unusual activity, you will be notified. This can help prevent identity theft. Dealing with potential fraud early on will help to correct the situation without ghastly consequences.
Disputes
Disputing items found on your report is relatively simple. If you have numerous items that need to be disputed, a paid service may benefit you. Some paid services will offer to dispute multiple items for you. Since they handle these types of problems daily, they will have all the information needed to start a dispute.
“… A service doing this on your behalf you won’t face as many delays in getting items removed from the report…” P. de la Torre added.
Whether a paid option is right for you or not will depend on several factors. If you want your score, are concerned about theft, or have a lot to fix on your reports, then a paid service can save you valuable time.
Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz
About the Author
Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.
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