Your credit report can open the door to getting a new house, rebuilding your credit, or
getting that new job. Why view your credit report? Sometimes creditors make mistakes on your account. Also,
your credit report can show if someone is using your name (identity theft) and good credit for their own purposes. When
left unattended these types of problems can take months to clear up. A credit check-up will help you nip these problems in the bud.
Click Here for a Free Credit Report!
Click Here for Your Free Credit Report!
Why wait for snail mail if you need your report today. Get your report now!
The 3 Bureau Credit Report is used by mortgage lenders around the U.S.
Click the
3 Bureau Online Credit Report
for your complete credit picture.
The CreditCheck Monitoring Service
gives you unlimited
free copies of your credit report. "Monthly Monitoring Alerts" inform you
of changes, inquiries, and possible credit fraud. You'll receive a newsletter
with credit management advice and much more. Get a free credit report for trying this service. Do it today!
Click Here to Get Your Free Online Credit Report Now!
Please note that Experian was formerly TRW. Also, the cost of credit report and monitoring services may be tax deductible if used for business or investment purposes
etc. Consult your C.P.A. or tax attorney.
Click Here if you have credit report related
questions after reviewing your credit report. Note: Mortgage lenders look at your 3 bureau credit report.
Comparative Features
|
COMPANY |
PRICING |
FEATURES |
AVAILABILITY |
|
FreeCreditReport.com
|
$0.00 (Free) |
Free Credit Report with 30-day credit check monitoring
|
U.S.
Online Ordering & Delivery
|
|
ConsumerInfo.com |
$29.95 |
3-Bureau Credit Report- Equifax, Experian,
TransUnion
|
U.S.
Online Ordering & Delivery |
Credit Report Tips
1. Credit Bureau (aka credit agency & credit reporting company) -
There are three national credit bureaus. They are Equifax,
Experian (aka TRW) and Trans Union (aka TUC). Each bureau maintains a credit
file compiled from reports made to them by creditors such as banks,
mortgage lenders, and credit card companies. The credit files in
each bureau may be different because the bureaus do not share information
and some creditors may report to only one or two of the bureaus.
Typically, mortgage companies will order credit reports from all three
bureaus to get a complete credit history on applicants.
2. Credit Report (aka credit file, credit history, credit record)
-
A credit report is a snapshot of your current credit information.
It includes a list of your creditors, payment history, balances, and late
payment history (if any). It also includes any inquiries made by
creditors to which you have applied for credit. Typically, this
report is made available online.
3. Credit Score (aka credit rating)
There are various credit scoring methodologies. Among the most
popular are FICO, Beacon, and Empirica scoring models. These scoring
systems take into account your payment history, balances, and other factors
to determine your credit score. This score is used by lenders to predict the likelihood of successful repayment.
Paying on time increases your score.
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