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Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports. An annual credit report is available from each of these bureaus.

In the past, an annual credit report would cost a consumer about $9 each. And, considering that each of the credit reports from the three major bureaus could be different, consumers found it simpler to avoid the issue of credit repair. Those consumers that had been denied credit could, however, obtain a copy of their credit report from the bureau that offered the low credit score. This would allow the consumer to see the reason for a low score. But now, with identity theft on the rise, consumers are being urged to keep an eye on their reports, even if there has been no reason to suspect misinformation. An annual credit report review is the future of credit management.

Identity theft can occur swiftly and go undetected for months. With a free annual credit report, consumers can now monitor their credit reports for unauthorized activities that may be occurring on their charge cards or banking accounts. With a free annual credit report, consumers can also watch their credit report closely for criminals attempting to obtain a credit card with their credit information. A free annual credit report will definitely help consumers in an offensive attack against identity theft.

If you are going to view your free annual credit report online, then you need to be aware of unofficial sites. There is one way to ensure that the website you are viewing is official: The website will have HTTPS in the address bar when you are entering sensitive information, rather then the traditional HTTP. This will be because you are swapping sensitive information and then no one will be able to see what you are typing.

If you are never really sure about your credit score, then a free annual credit report will keep you up to date with how good or bad your credit score is. But also when viewing your credit report, you will need to make sure that everything is being kept up to date and that your information is not being used by someone committing identity fraud.