If you are a person who doesn’t care too much about your free gov credit report and scores, you should really start right now. Because due to the recent credit crisis that the country is facing, the rules in the industry of loans and other financial services have changed dramatically. The importance of knowing your 3 credit scores have increased, since most of the companies are putting a lot of attention to it before they approve a loan. It would be best for you to get a copy of this vital information right now so that you will know where you stand, and so that you could also start to find ways on how to improve your credits scores to easily get approved for loans or get the lowest mortgage rates in the market.
Getting this information is fairly easy nowadays. There are a lot of websites that can help you get free credit scores which are based off the scoring formulas that are used by national credit reporting agencies in the country.
You can also get request free credit reports from the websites of TransUnion, The Experian, and Equifax, but don’t expect to get free credits scores. They are required by the law to supply you with free credit reports, but they were not required to give out the credit scores for free too. That is why they sell it to you for around $8 - $10 dollars every time you check. Experts would then tell you to check your credit scores as often as you can, and that would then lead great profits to the government credit reporting agencies.
If you don’t want to spend even single penny in getting your credit scores, then you should definitely get them from other websites that are willing to give it to you for free. The sites might not offer you the most accurate scores; they could give you an estimation that is really close to the actual score that you will be getting the government reporting agencies.