Clark Howard Free Credit Report
If any of your are interested in personal finance and how to save your money then you have probably heard of a man called Clark Howard. He is a popular talk radio host and has his own consumer radio show called the Clark Howard Show.
Clark is well known for giving out advice on financial planning and money management and credit repair advise.
He is also an advocate for helping people avoid the many financial scams with advice on how not to get ripped off. As well as radio Clark Howard also has a high profile on the TV networks.
He is also a prolific and best selling author with titles that include "Clark's Big Book of Bargains", Get Clark Smart and "The Ultimate Guide to Getting Rich From America's Money-Saving Expert".
Clark Howard Credit Report
Your credit report is an important document that you should learn everything you can about it. When you apply for any kind of credit whether, it be a credit card, bank loan or home mortgage the lender will not make a decision on your application until they see you credit report.
The report contains vital information about your credit history, the number accounts you have, the outstanding balances, missed payments and any court judgments such as foreclosures or bankruptcy. This information enables lenders to predict your ability to repay the money back. This means that you credit report plays a vital role in whether you will be approved or rejected for a loan.
If you are applying for a loan you should check your credit report and credit score. The only problem it is not easy to access this information for free.
The three main credit agencies Experian, Transunion and Equifax produce their own credit reports are making a lot of money selling you back your own financial information. They say they will offer you a free credit score Clark Howard points out that to access this information you will need to sign up for their credit monitoring service deals which can cost up to $15 a month.
Clark Howard has been helping to enlighten people in finding ways to get your credit report and score for no fee. He advises a couple of free credit report sites that you can use to obtain a non FICO score. They are:
- Quizzle.com
- Credit.com
- Creditkarma.com
A point to be aware of is that these websites do not provide you with the FICO score as it is only an approximation. The FICO is really your true score and the one used by the majority of lenders. However, the most important thing to remember is where your score resides on the credit score scale.
For example, FICO uses a scale between 350 and 850. In the current economic climate a score above 700 is good but preferably you should be aiming for a score that is 740 and above.
The Only Site That Offers Your Original Free Credit Report
Under Federal Law every one is entitled to a free credit report each year. The FTC site annual credit report.com is the only site where you can obtain your credit report for free. All you have to do is fill in your personal details as they need this to prove your identity and ensure they are sending the report to the right person.
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