Identity Theft Insurance Free

Truth About Free Credit Reports

We appreciate your desire to obtain a free credit report. The fact is that maintaining credit histories and providing reports to people is a business. No business that survives can give away its products for free.

Every web site providing "free" credit reports works with the three credit reporting bureaus. These sites can only offer you a brief review of your report. Most offer a free 3 day or 30 day view of your report from one of the three credit reporting agencies.

Creditors may not send reports of your credit transactions to all three bureaus. Thus, reports from each credit reporting bureau may differ. It's to your advantage to see your complete credit history in a "3-in-1" type report.

To see your full credit history from the three reporting bureaus you'll have to pay. To view your report over a period of time as your credit history changes you'll have to pay.

There is no way for any web site to provide your credit history outside of the three reporting bureaus. And the three credit reporting agencies are businesses; they charge for their services.

Identity Theft Fraud

How can someone commit identity theft?

The Federal Trade Commission explains how identity theft is committed: By co-opting your name, Social Security number, credit card number, or some other piece of your personal information for their own use. In short, identity theft occurs when someone appropriates your personal information without your knowledge to commit fraud or theft.

Once identity theft is committed, then what? Once identity thieves fake your identity, they:

• Open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and don’t pay the bills, the delinquent account is reported on your credit report.
• Call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your impostor runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there's a problem.
• Establish cellular phone service in your name.
• Open a bank account in your name and write bad checks on that account.

Quarterly Credit Report Access Plus Credit Monitoring

For one annual fee you can get access to your credit report, updated 4 times a year. Plus you will get weekly credit monitoring and additional services.

Now iCreditReports.com can provide the following services:

• Weekly Credit Monitoring Emails You will receive weekly email alerts about changes in your credit report. You can easily detect fradulent activity, new credit inquiries, new accounts, late payments, and more.

  Identity theft is the fastest growing crime in America. The sooner you detect it and take action to fight identity theft, the less damage will be done.

• Quarterly Access to Your Updated Credit Report You'll get a brand new credit report four times a year. Your reports are easy to read and have color graphics with a free interactive guide.

  With up-to-date knowledge you will be better positioned to know how you stand with creditors.

• Credit Monitoring You get updated credit scores four times a year plus personalized analysis showing you how to improve your score.

  This will help you get better lending rates as well as quicker lending approval. This will save you lots of money in the long run.

• Debt Monitoring You'll get an up-to-date analysis of your debt to income ralationship four times a year plus important advice for improving your debt management.

  Your credit score depends, in part, on the amount of debt you have. Improving your debt to income ratio will greatly help improve your credit score.

• Powerful Tolls for Analysis You be able to see graphically how your credit score is improving with colorful charts showing trends in income, debt, credit score, and more.

  The more you know, the better able you are to imporve your situation.

Now you can try this service free for 30 days. Go to iCreditReports.com now to start your free trial.

You'll soon see that this is the most valuable service you've tried on the Internet in a long time.