Getting a free Experian credit report is easy. Just call Experian office and they will deliver your credit report by U.S. mail. However, if you would like immediate online access to your Experian online credit report and score you have to pay a fee.
You are eligible to get a discounted or free credit report if your credit file has inaccuracies, or if your credit application is denied. By the Fair Credit Reporting Act you’re also entitled to receive an experian free yearly or annual credit report once a year. Otherwise, you may need to register for a free 30-day trial membership and when your free membership runs out you will have to pay the membership fee.
The Benefits of an Experian Credit Report
An Experian online credit report is a great way to check your credit rating from home. Experian, formerly known as TRW, is a credit bureau or credit reporting agency, which means that they have a lot to live up to. They know what people want when they ask their credit reports, and they know how to deliver something special.
The service offered by Experian is excellent. It seems that the only benefit that the other companies can offer you is that they can show you 3 in 1 credit reports at once, including Experian, Equifax, and TransUnion. But Experian offers quality customer service as well as an easy to navigate website.
A credit report from Experian will let you know if there are any mistakes in your report. There are not many people who have problems with their credit reports, but there is a possibility that your information is out of date or just totally incorrect. If you receive an out of date or incorrect credit report, you can be denied for job opportunities, for credit cards, or for securing insurance.
You can avoid such an incident if you get your credit report long before applying for a loan. This way can spare you some time for taking steps to increase your credit score. So, don’t blame Experian for their out-of-date records but take actions to repair your credit before applying for any loan.
View Your Experian Online Credit Report
If you want to see your own credit report for free then a free online Experian credit report might be the way to go. Getting your free online credit report is very simple. Enter your details and within a few clicks of your mouse, you will be viewing your own free online Experian credit score.
But be aware of the charges that will occur if you don’t cancel your online membership. Once you have signed up and used the free online Experian credit report, you will have 30 days to cancel your membership — if you do not want to use the service anymore. Otherwise you will be charged a monthly subscription on your credit card.