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Best Credit Report Website

  1. Credit Karma
  2. FreeScoresUSA
  3. CreditReport.com
  4. Equifax Complete
  5. Experian Triple Advantage
  6. FreeCreditScore
  7. TransUnion
  8. CreditReporting.com
  9. FreeCreditReport
  10. Privacy Matters 1-2-3
 

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Credit Report Website Comparison Chart

 
RankTitleOverall RatingReview3-in-1 PriceFree TrialGo ToMonthly MonitoringCustomer Service
# 1Credit Karma
Gold Star
Review$0.00100% Freecredit karmaYes
# 2FreeScoresUSA
Silver Star
Review$29.957 DayfreescoresusaYes
# 3CreditReport.com
Bronze Star
Review$19.957-Daycreditreport.comYes
# 4Equifax CompleteReview$16.95Noequifax completeYes
# 5Experian Triple AdvantageReview$12.95$1 30-Dayexperian triple advantageYes
# 6FreeCreditScoreReview$14.957-DayfreecreditscoreYes
# 7TransUnionReview$14.957-DaytransunionYes
# 8CreditReporting.comReview$34.90Nocreditreporting.comNo
# 9FreeCreditReportReview$14.957-DayfreecreditreportYes
#10Privacy Matters 1-2-3Review$29.957-Dayprivacy matters 1-2-3Yes
 

Unexpected Factors That Hurt Your Credit Score

Having a high credit score can make life easy, especially when you need to get a loan for a big purchase. If your credit score has unexpectedly declined recently, you may be a little confused by the jump. There are a million factors that can make your credit score drop, even if you stay on time with your payments. By knowing about these problems, you’ll know what to do to re-boost your score. more ...

Are Credit Scores Damaged Because of Loan Modifications?

For health in financial matters, it is best to understand implications of credit reports and scores. Initially it sounds confusing. For examining credit report, one should understand credit score. There is three important credit bureaus from where you can get copies to find out any discrepancy. How does your lender view you? For this know the FICO score and find out how it is calculated. more ...

Consumer’s Guide To Credit Report Websites

What is My Credit Report?
Your credit report consists mostly of any types of credit in your name; student loans, auto loans, credit cards, mortgages, personal loans and insurance policies. It shows not only your credit information but your identifying information, public records on you and any credit report requests made within the past year as well. While your credit score may change over time, all credit history remains on the report for seven years. Outstanding balances, payment activity, types of credit and unpaid bills all come into play on your report.

Who Can See My Credit Report and Why?
Consumer reporting agencies collect information about your credit history from companies that have granted you credit. They can then sell this information to anyone with a legitimate business need for it. This includes: government agencies, lenders, insurers and employers.

The purpose of your credit report is to help determine your dependability. Because it shows how often you pay your bills, if you’ve defaulted on any loans, how many different types of accounts you can juggle, and if you’ve filed for chapter 13 or chapter 7 bankruptcy in the past 10 years, the decision to approve you for employment, credit and life insurance is often based on your credit report. A good report can open up doors to gaining more lines of credit and lower interest rates, while a bad credit report can often deter lenders from issuing credit at all.

What Should I Look for in My Credit Report?
There are many paid credit reporting websites available offering you the chance to view your credit score from up to three of the top credit reporting bureaus. They also offer critically important credit monitoring services that identify and/or prevent attempts by identity thieves to use your credit. The United States government has passed a law allowing you to obtain your free credit report once a year from the top three credit bureaus. Always look for errors in your file, and be sure to notify the reporting agency immediately if you find any. If there is any information that you do not recognize or if you suspect identity theft, you can contact the agency or file a complaint with the Federal Trade Commission (FTC).

Credit scores are calculated by a mathematical formula based on your credit report. This number represents the risk a lender takes on when determining to grant a loan or approve you for credit. The higher the number, the better your score – and the more likely you are to receive a better interest rate on the credit or service you are applying for. A good credit score is typically considered anything above 700, but there are many other factors lenders consider such as your credit mix and applications for credit.

How Often Should I Check My Credit Report?
It’s a good idea to consistently check for errors, see who has requested your information and just generally keep an eye on your credit. You can also spot identity theft and help prevent it from going any further. Most websites offer monthly monitoring, but you should check your credit at least once every 12 months.

How Can I Improve My Credit?
There are many ways you can improve your credit history, the most important of which is making payments on time. Here are a few other tips:

  • Check your credit report at least once a year for errors
  • Don’t spend what you don’t have
  • Unless you will get a substantially lower interest rate, do not transfer balances
  • Always pay at least the minimum payment due
  • Always pay bills on time and notify creditors of any change in address so you do not get late bills
  • Make sure all of your credit accounts are on your report so that you have a sufficient credit file
 
 
 
 
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