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We provide an exceptional free credit report offer
that will give you the power to take full control of
your accounts and your credit score. Our credit
report features 3-in-1 reporting, which is great for
you. Traditionally, you would have to apply for a
credit report from all three of the major credit
bureaus, and wait for them in the mail. Thanks to
the speed and flexibility of the internet, you can
request your free credit report through our service
and be provided an Experian, TransUnion, and Equifax
consolidated report within just a few minutes!
Contained within your credit report is detailed
information about nearly every transaction or
company that you do business with, or have ever even
considered doing business with. Your report is
broken up in several sections that can help you
review and verify all the information contained
within. The first section of your report is
dedicated to your current contact information, and
also will contain information about where you've
previous lived. This can be important to verify
especially if you apply for a new apartment lease,
or even for job verification purposes.
The next section of your report will cover the 81
month payment histories of all of your accounts.
That's right – 6 and a half years of payment history
is contained within your report, which means that
it's incredibly important to make sure that
everything is correctly reported and reflects your
payment history accurately. Especially when applying
for new credit lines, this section of your report is
reviewed, so you can understand how crucial it is
that the information within is accurate. Rest
assured, however, that current payment records are
more important than any delinquencies in the past,
so don't be dismayed if you've had some blemishes.
Another section of your credit report details the
companies and organizations that have requested your
credit report on your behalf. This can be good
information to know because it will show you any
inquiries that you might not recognize. In today's
world, you should always be on the lookout for
things like identity theft which often have numerous
requests for your credit information (even if you've
never had accounts opened).
The next great feature that we provide is access to
your 3-in-1 FICO credit score. Your FICO score is a
number between 350 and 850, and is a barometer for
how companies perceive your overall
creditworthiness. The median credit score in America
is 725, so knowing where you stand will give you a
good starting point to evaluate credit offers that
you're interested in. If you think you're getting
ripped off by a credit offer, compare your FICO
score to the scores of others to determine whether
or not the rate is fair or not. Your credit score is
a great way to find out if you're ready to afford
that new car or even your next home purchase.
On top of all these great reports, we've packed in
an even better value. Thanks to the speed and
efficiency of the internet, you can also request a
monthly credit monitoring and alert service. This
way, you'll always be on top of your credit details.
As new requests for information come in, you'll be
able to evaluate each one for authenticity, and
fully understand what direction your credit is
taking. If you've recently started working to repair
your credit on your own, this monitoring service can
help you discover what accounts are being brought up
to date. The alerting service is also incredibly
valuable to protect you from the harm of a potential
identity theft. In some instances, your identity can
be stolen for months without you knowing it, but
with the alert service running you'll know when
things appear that you don't recognize and be able
to take action quickly.
Credit Report FAQ's
What
should I do if I see discrepancies on my credit
report?
Once you start reviewing your credit report, you may
discover that there are charges or accounts that you
don't recognize. The first course of action you
should take is to contact the credit bureau
directly, and you'll be provided with a transaction
ID that you can reference to help expedite your
issue. The other element that's very important to
successfully correcting any errors is to contact the
reporting company immediately, and you'll have their
contact information available so you can start
taking action.
How
long does it take for information to be updated on
my report?
In most instances, it takes anywhere from 2 to 8
weeks for your latest information to be updated on
your credit report. The reason is because the
reporting company has to process the information and
then it gets passed along to the reporting bureau,
which then slowly updates their records. This means
that even if you're looking at your report in April,
your February and March payments may not be fully
reported.
Generate your free credit report now |
