Miami Beach, FL -- (SBWIRE) -- 09/28/2012 -- Ever since people started dealing with banks either by getting credits or outstanding loans, they have been related to a credit report, made by major consumer reporting companies. The credit report consists of all details regarding a person’s credit history. What a bank or any financial institution does is buying those reports from the companies and using it to calculate how much people are eligible for a credit or loan.

One of the top searched websites is FreeCreditReportsInstantly.org which has a long history of delivering free credit reports instantly, and giving their users a quick insight on their current financial standing, the same one that a bank will refer to when calculating their financial leverage.

One of the main people behind the website commented, “We know that our credit reports will determine our faith in terms of getting a credit or loan, buying a car or house on credit. What we seriously need to do is to make sure that the information we can see in our credit history report is accurate and up to date. Getting free credit reports every 12 months might save you from thinking why your credit card application has been declined or why the interest rates on your loan went too high. It is a great benefit to be able to access our personal information and get free credit reports instantly. It will leave us with an option of quick finding any potentially misleading information in the reports or even allow us to check for unauthorized credit activity so we can be sure that no one is using our credit cards without our knowing.”

The website will require people’s basic information such as the name, home address, social security number and a date of birth in order to get their free credit reports.

If you would like to get your free credit report instantly, visit their website http://www.freecreditreportsinstantly.org today.