Free Credit Score

February 6, 2019

In today’s world, it’s more important than ever before to monitor your credit report and credit score, all while keeping your personal information protected.

While there are many ways to do so – some better than others – is safe, fast, and easy to use.

What You Need to Know is an online service that allows consumers to purchase a $1 credit report, while receiving your credit score for free.

Upon signing up, you’ll also start a free trial for credit monitoring, which goes a long way in helping you protect against suspicious activity and/or charges.

With credit monitoring in place, the following types of activity are immediately reported for your review:

  • Credit inquiries
  • Public records
  • Negative information (such as collections)
  • Delinquencies
  • Employment changes
  • New accounts

Note: although signing up for provides access to a free trial for credit monitoring, you can cancel at any time.

How does it Stack Up?

In addition to its affordable price – only $1 to sign up – there are three other reasons to choose

  • It’s safe: With privacy and security measures in place, you never have to worry about putting your personal or financial information at risk.
  • It’s fast: With the ability to secure your credit report and score in under two minutes, is one of the fastest available services.
  • It’s easy: From the sign up process to viewing your credit score, the entire system is user friendly.

Why is it Important?

There is no requirement to review your credit report and score, but there are several reasons why it’s a good idea.

For example, if you’re applying for a mortgage or car loan, understanding the details of your report and score will help you determine if you’ll qualify and the type of interest rate you can secure.

The same holds true when applying for a loan – such as a home equity loan or personal loan – or credit card.

Furthermore, it always makes sense to have a strong understanding of your credit health. This ensures that you’re making all the right financial decisions at the right time.

Final Thoughts

With the ability to obtain your credit report and score for $1, there’s no wondering why is growing in popularity.

When you combine this with a variety of other benefits, such as credit monitoring from all three bureaus, you have a winning service.

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