SOURCE: National Credit Report

Free Credit Report

November 24, 2009 14:49 ET

With Poor Credit History, Department Store Credit Cards May Be Difficult to Obtain This Holiday Shopping Season Explains That Not Reviewing a Free Credit History Report Can Affect Opening an Account at Department Stores and Cause Higher Interest Rates for Credit Cards

DELRAY BEACH, FL--(Marketwire - November 24, 2009) - is urging consumers to obtain their free credit history report before opening accounts for department store credit cards this holiday season., an industry leader in providing free instant credit reports, warns people that by not reviewing a credit history report, consumers could get hit with higher interest rates if they have errors on their reports that are negatively affecting their credit. It is important to know a credit report is accurate when applying for department store credit cards or seeking any type of credit to get the most favorable terms.

"By obtaining their free credit history report consumers can review scores, open accounts and any delinquencies that could have been reported to a credit reporting bureau. Having this information gives consumers the ability to make any corrections before applying for department store credit cards. Opening an account has a lot to do with your credit history and department stores and banks may offer you a higher interest rate if you have late payments, collections or other negative impacts on your credit report," said Samuel S. Ambrose, Vice President of Marketing and Operations, at "People need to be aware of their credit when opening a credit card account from a department store. Although it seems so easy, consumers don't need extra stress during the busy holiday shopping season."


Since 2004, has specialized in providing a variety of free credit history reports and information to consumers to help protect them from identity theft. The Company helps people obtain the best interest rates for credit cards, auto loans and more by providing important information when they open an account based on credit history, by offering free instant credit reports.

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