If you leave in the USA, you know the importance of getting free credit report. A good credit report will determine your financial future. There are three official sites that you can visit to obtain a free credit report, Experian, Equifax, and TransUnion.

You are entitled to get your credit report once a year, just simply contact any one of the above credit report agencies and inform them you interested in obtaining your annual free credit report. You need to prove that you are the same person who applies for the free report and that your address is the same address as their record. It will take about fifteen days for you to receive the report.

There are some companies that will tell your credit rating over the phone, if you have already checked your credit report within the last six month through phone. Please note that there is difference between annual free credit report and free credit report score.

Annual credit report will show your monthly credit rating based on your recently opened and closed accounts, while credit report score checks your credit history to provide a three digit score. A free credit score is only beneficial if you already know your credit rating.

One important point to consider for having good credit report and score is the type of credit card you choose. When you compare credit cards, you should keep in mind the following points:

1-    No liability on fraud use of your card
2-    APR rates and the time
3-    Availability of cash advance
4-    Annual fee