3 Difficulties in Getting a Free Credit Score Analysis

Requesting a copy of your free credit score sounds like an easy task. However, when it comes down to it - the reality might be a little bit different. In actual fact, many people struggle to successfully apply for their free credit score, citing difficulties in the process itself - and moderate issues when dealing with the credit reporting agency.

But what are the most common issues which prevent you from request a copy of your credit report? We asked a number of consumers why it is that they don't regularly check their credit report, and the answers may surprise you.

Number 1: It's Too Difficult

The top reason why you might not request a copy of your free credit score is that it is just too difficult. Requesting the copy requires a number of steps to be completed. We have outlined these steps in another article on this site. However, to refresh your memory - here are the things you need to do in order to get your hands on a copy of the free credit score report:

• Request an application form or download and print it from the internet
• Fill it in, submit it with the correct ID and documents
• Wait for 20 working days

Ultimately, unless you are patient and get everything sorted out in advance - the hassle of requesting the credit report is probably too much. All of this, when you could just pay someone a few dollars to do all the hard work for you - and get the report in a fraction of the time.

Number 2: It Takes Too Long

Amazingly, a credit report can take up to 20 working days to arrive in your letterbox from the time that you request it. For some people, this is simply not acceptable. Therefore - many people look to the paid credit report option to speed things up.

If you pay for the credit report, it should be with you within 3 or 4 working days - much faster than the free option.

Number 3: Dealing With Credit Reporting Agencies

nfortunately, just like many large organisations, dealing with credit reporting agencies can be a bit of a burden. Not only is there a lot of bureaucracy, but things just don't seem to work in an efficient manner. For this reason, a lot of people prefer to simply contact a more organised company, and instead of requesting a free credit score, they again settle for the paid and obviously more expensive version.