New York Free Credit Score
Experian.com offers consumers an online free credit report at no charge with no strings attached in the state of NY.The government recently passed a law allowing consumers to a free credit report annually. Before this law was passed, this was only available to those who had been denied credit within the recent month. Officials from New York, Brooklyn and Albany fought hard for the free credit report. Take advantage of the opportunity for your own sake. Sometimes these New York credit reports contain errors or mistakes in the credit score that can deter you from getting that low interest rate on a mortgage or while financing a new or used car. Definitely check your New York credit score from Transunion as well. Its always not a bad idea to compare the credit reports from all 3 credit report companies to be safe there is a mistake.
Does checking your credit hurt the score?
A lot of people believe tend to believe that if you check your credit score from the credit bureaus, it will lower your score. This is not completely true. By checking it once a year, it will have no effect on your credit score. However, if you start applying for 7 or 8 credit cards, then that may hurt it with all these companies peeping into your credit history.
Financial experts agree that fraud monitoring is something that is most efficiently done by checking your credit report annually. In the state of New York, there have been cases where people aren't aware their own identity had been stolen till they apply for a car loan. Take advantage of the no strings attach online free credit report from Experian. Just be sure to cancel the 30 day trial offer after you sign up for your free credit report online.
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