www.FreeCreditScore.com – FreeCreditScore

A persons credit score is based on their credit report data. It is calculated from the positive and the negative aspects of whatever your credit history is. The positive parts are bills being paid in a timely fashion, and the negative side are paying them late or even not at all. So if you manage your money and maintain your obligations in a timely manner, then this will have a positive impact on your credit. But should you balk on payments and send payments in late, then it can result in negative effects on your score.

A person can learn how to calculate a credit score in various ways. One calculation is called a ‘PLUS SCORE’, and is used by FreeCreditScore.com as well as by Experian. It has been adopted as the standard method for calculating credit scores.

Whenever an individual gets hold of a free credit report, the are able to gain a good bit of information by reading it. The first thing that needs to be looked at, is making sure the items they have listed are in fact done by that person and not been put on their fraudulently by someone who stole their identity. If there are listed items that weren’t done by the person named in the report, then corrective actions must be taken to keep the problem from escalating.

When you know what your credit score is, then you have a much better idea about your chances of obtaining specific goods from any companies who base their decisions on credit scores. Like buying a car for instance, or when applying for a new credit card. You do have some steps you can take for raising your score so you can come out in a more favorable light in these situations. Obtaining a copy of your current credit report enables you to fix any errors that may increase your current score.

The benefits will differ from website to website that provide offers for this service. There are lots of companies available that will help you to improve on your credit score and teach you how to effectively manage your credit.

At FreeCreditScore.com they give you  a ‘Triple Advantage’ membership which comes with a free trial period of 7 days. This membership has some good benefits, one of which is access to your current credit history as recorded on Experian, and your ‘PLUS Score’. All members can receive alerts concerning their credit scores on a bi-monthly basis, and have that score continuously monitored. The get fraud resolution benefits, and a $50,000 guarantee of their product.

Any members wishing to avoid a $15 monthly fee should be sure and cancel the membership before the end of the free trial 7 day period. You have the option to cancel at any time. And just because you can cancel whenever you choose, doesn’t mean you can expect any refunds for your membership fees. Each time your report gets reviewed by any company, it generates a ‘hard inquire’ on your report. And if there are too many of these on there, it hurts your score.

Any kind of information obtained from you by FreeCreditScore.com for verifying your identity, is safe and secure and remains in their system. You can be assured that your information is never sold to any other companies. You are the only one who can see your information. This holds true even if you call customer support. Those employees are not allowed to see any of your information without first receiving your permission to do so.

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