What We Offer
We can help you get free credit reports, but that is just one of the many services we provide. Find out what else we can offer you to help you optimize the information in your credit record here.
Service #1: Get Free Credit Reports
When you sign up to get free credit reports from one of our partners, they will send you complimentary copies of your reports from all three credit bureaus. That means you will receive an up-to-date report from Equifax, Experian, and TransUnion for no charge. Signing up for these reports also entitles you to a free trial membership in a shopping and savings program and possibly also a credit monitoring service, which is explained in more detail below. You are of course free to cancel your membership at any time without penalty. If you decide to cancel, you still receive your credit reports at no cost.
Service #2: Credit Monitoring
Most of our affiliates offer credit monitoring to visitors who wish to get free credit reports. Credit monitoring is primarily an identity-theft prevention measure, but it can also help you stay apprised of important fluctuations in your credit score. Credit monitoring can help you identify identity theft in its earliest stages so you can minimize your losses and increase the likelihood of catching the thief. With credit monitoring, your service will typically inform you via email or phone if any of the following changes occur to your credit report:
- New inquiries
- Changes to existing accounts
- Change of address
- Public records
- Opening of new accounts
- Potentially derogatory items
Service #3: Credit Repair
After you get free credit reports, you might be dismayed by the information your report contains. Perhaps you have more derogatory items on your report than you’d hoped or maybe your report contains inaccuracies that are hurting your score. To help remedy this situation, you might consider trying some form of credit repair service. Credit repair can help you improve your score through methods like debt consolidation or consultation. Some of our partners can even offer assistance to consumers who are facing the prospect of foreclosure. Whatever your credit problems, our affiliates can offer you a repair service designed to improve your financial situation as much as possible. Check out our credit reports glossary if you do not understand all of these terms.