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Alex Hales

Published on: 18 Apr 2017 by alex-hales

Introduction to Credit Score Report

In case you are willing to get loan for auto, mortgage or personal use, the first step is to take a look at your current credit score. A credit score report is an important element which reveals your outstanding balance, creditors list, late debts, bankruptcies, uncollected debts etc. It is considered to be an essential requirement by all credit vendors. This report is not only used when you’re seeking for a loan but also when you are applying for an employment or insurance. Checking your credit score is usually the first step of the hiring process in multinational companies which gives them a better understanding of the candidate’s character for example; reliability and his responsibility of paying the bills on time.

Some other uses of credit score report include:

  1. Prevention from Identity theft: This ensures that any other person isn’t taking loans on your behalf.

  2. Correction of invalid transactions: Credit score report is also used for the correction of invalid loan transactions on your account.

How to get free credit score?

As we’ve already covered the basic details of credit score report, the next important question is to know how and from where to get your free credit score repot. Well, there are 2 easy methods of obtaining this report.

  1. Banks and other financial institutions: Credit card companies and banks usually offer free credit score report to their customers annually. You can even avail it anytime by simply filling and submitting the credit score report form. Due to the wide use of internet, this method has become less popular in recent years.

  2. Obtaining it through a website: This technique of obtaining your free credit score repot is undoubtedly the simplest and the most convenient method. You can get your free credit score report using these services in just a matter of minutes.

Advantages of getting your credit report online:

  1. Instant access: As mentioned above, you can instantly get your hands onto your free credit score no matter what part of the day it is. On the other hands, banks and other financial institutions may require you to wait for 3 business days to get access to your credit score report.

  2. Saves you time: Unlike the method of obtaining this report from a bank, you are not required to step out of your house or workplace, all you need is an internet connection and few minutes to fill in some details.

  3. Free of cost: Not all banks are in favor of giving free access to your credit score. Sometimes their offer is associated with certain amount of fees.


If you browse across the internet, you will come up with hundreds of different websites offering this service. However, the credit score repot is kind of confidential in nature so it’s best to stick with the most trustworthy services. Creditsesame is considered to be one of the best and the most trusted robo advisor for consumer liabilities. Get stared now by clicking on Free Credit Score.

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