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Free Yearly Credit Report

Posted on May 21, 2015 in General

Resources and Information on your Credit Standings Knowing your credit score and standing is one of the most important things to know when taking control of ones financial future. Free Yearly Credit Report USA helps American Consumers learn about all aspects of their credit history and learn about the nuances of the credit reporting industry. A good credit score can mean the difference between getting a mortgage, car loan, student loan, busi [...]

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Is TransUnion a Scam?

Posted on May 21, 2015 in Credit Report Scams

TransUnion is one of the largest credit reporting agencies in the United States. TransUnion works with businesses and consumers to help provide greater insight into people.s credit scores. As a credit reporting agency TransUnion will relay consumer information to many creditors so that these companies can make sound business decisions when it comes to issuing credit. On the flip side TransUnion also assists consumers by giving them a chance to [...]

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Is Equifax a Scam?

Posted on May 21, 2015 in Credit Report Scams

Equifax is one of the three major credit reporting bureaus along with TransUnion and Experian. Equifax utilizes one of the largest sources of consumer and commercial data, along with excellent analytics to enhance the performance of both businesses and the lives of consumers. Equifax allows businesses, creditors, and lenders to make informed business decisions as well as helps consumers better understand what affects their credit rating. Howev [...]

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Is Experian a Scam?

Posted on May 21, 2015 in Credit Report Scams

Experian is the newest of the three major credit reporting bureaus in the United States. Founded in 1980 Experian works with businesses and consumers to help deliver information about consumer.s credit histories. These credit histories are needed so that businesses can make sound decisions about who they will extend credit to and consumers can see what is affecting their credit rating, and make any necessary adjustments to their spending habits [...]

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Credit Report Scams

Posted on May 21, 2015 in Credit Report Scams

One of the best ways to monitor your credit is by checking your annual credit report. When the Federal Trade Commission passed the Fair Credit Reporting Act they included a provision where all of the major credit reporting bureaus had to offer a free credit report to consumers every 12 months. It is through this annual credit report that consumers are able to monitor their credit scores, and make sure that there are no errors affecting their cr [...]

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Get your annual credit report at annualcreditreport.com

Posted on May 21, 2015 in Annual Credit Report

If you are looking to receive your free credit report there is only one website that you need to know about, annualcreditreport.com. Annualcreditreport.com is the only federally authorized website that will pull your free credit report from the three major credit bureaus as stipulated under the Fair Credit Reporting Act. There are three different ways that you can obtain your credit report from annualcreditreport.com. The quickest and easiest [...]

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Annual Credit Report

Posted on May 21, 2015 in Annual Credit Report

Several years ago when the FTC passed the Fair Credit Reporting Act they included a provision that stated every consumer is entitled to a free credit report online once every 12 months from the three major credit reporting bureaus. The reason why the FTC wanted every consumer in America to have access to their credit report is to provide more insight into people.s credit history and what negatively impacts them. By allowing consumers to view th [...]

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The Free Credit Reporting Act

Posted on May 21, 2015 in Credit Bureaus

The Free Credit Reporting Act requires that the 3 Credit Bureaus provide Americans with their Credit Report once a year. What is the 'Free Credit Reporting Act?' In an effort to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies the federal Fair Credit Reporting Act was developed. This act outlines the various stipulations that are associated with credit reports and credit reporting bureaus. Th [...]

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Equifax - Credit Bureau

Posted on May 21, 2015 in Credit Bureaus

Who is Equifax Equifax is a global leader in information solutions. Utilizing one of the largest sources of consumer and commercial data, along with top notch analytics and proprietary technology, Equifax enhances the performance of both businesses and the lives of consumers. Equifax enables business, creditors, and lenders to make informed business decisions as well as helps consumers understand their credit histories. History of Equifax: [...]

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Experian Credit Reporting Agency

Posted on May 21, 2015 in Credit Bureaus

Experian is the third major credit reporting bureau in the United States. Founded in 1980 Experian is relatively new to the credit reporting industry. Like the other major credit bureaus, Experian works with businesses and consumers to gather, analyze, and deliver information about people's credit histories so that companies can make informed business decisions and consumers can monitor their credit rating so it does not become problematic. Hi [...]

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Transunion Credit Bureau

Posted on May 21, 2015 in Credit Bureaus

Transunion - Second Largest Credit Bureau TransUnion is one of the three largest credit reporting agencies in the United States. TransUnion works with businesses and consumers to gather, analyze, and deliver information about people's credit histories so companies can avoid at-risk customers. History of TransUnion: TransUnion originally started as a railcar leasing operation in 1968, but quickly realized the business potential in becoming a le [...]

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Credit Bureaus - What are the Credit Bureaus and What do they Do?

Posted on May 21, 2015 in Credit Bureaus

What are Credit Report Agencies? If you have ever investigated your credit score you surely have had to deal with a credit reporting agency. A credit reporting agency is a company that collects consumer credit information from a variety of sources. These agencies are able to collect consumer information from credit card companies and other creditors by exchanging the information in their database with the information the credit card companies [...]

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Vantage Score

Posted on May 21, 2015 in Credit Score

Your Vantage Score is another type of credit score that is similar to your FICO score. Vantage Score was designed to simplify and enhance the credit process for both consumers and creditors. Many consumers find the FICO score system a bit confusing, which is one of the main reasons why the Vantage Score was created. Vantage Score is the collaboration of the three major credit reporting companies, Equifax, Experian, and TransUnion. These thr [...]

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FICO Score

Posted on May 21, 2015 in Credit Score

FICO is a publicly traded corporation that created the most well known and widely used credit score model in the United States. This credit score, known as your FICO score, is used in all sorts of credit decisions made by banks, lenders, and other creditors. If you have a low FICO score you will quickly realize just how hard it is receive any sort of credit, which is why it is so important that you do everything you can to keep your FICO score [...]

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Importance of getting your free credit score

Posted on May 21, 2015 in Credit Score

As you may already know, your credit score is one of the most important pieces of information creditors look at when deciding to extend you a line of credit. By making sure that your credit score remains high you will be increasing the chances that you are awarded a line of credit from a bank or credit card company. Various information about your other accounts are included in your credit score such as late payments, delinquent accounts and ove [...]

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Annual Credit Report

Posted on May 21, 2015 in Credit Report

Obtaining your Annual Credit Report and how it affects your Credit Score When the federal government passed the Fair Credit Reporting Act every consumer was given access to a free annual credit report. This annual credit report is supposed to shed some light on a consumer's credit history so that he or she knows what is affecting their credit score in the eyes of creditors. Checking on your credit score through an annual credit report is one o [...]

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Free Yearly Credit Report

Posted on May 21, 2015 in Credit Report

In 2003 the Federal Trade Commission passed the Fair Credit Reporting Act which is designed to give consumers a better idea of what their credit history looks like to employers, creditors, and insurers that utilize this information. Contained within this act is the right for every consumer to receive a free yearly credit report from each of the three major credit reporting bureaus; Equifax, TransUnion, and Experian. Monitoring your credit repor [...]

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Personal Credit Report

Posted on May 21, 2015 in Credit Report

Your personal credit report is one of the most important pieces of information you have associated with your name. This personal credit report details what affects your credit rating and outlines what your credit score is. Your credit score is then used to determine a number of things such as whether or not you are given a loan, extended credit, or even offered a job. Since your credit score can carry some hefty ramifications if it is very low [...]

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Free Credit Score Online

Posted on May 21, 2015 in Credit Report

Obtaining a free credit score online is one of the easiest ways to monitor your credit rating. While you can also get a free credit report by calling each of the three major credit reporting bureaus or sending your request by snail mail, filling out the necessary information online is both the easiest and quickest way to see your credit score. When you apply for your free credit score online you will receive access to your credit history within [...]

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What is a Credit Report

Posted on May 21, 2015 in Credit Report

A credit report details specific information about individuals and is used to evaluate your applications for credit, insurance, employment, and when looking to rent a home. Credit reports contain information about where you live, how you pay your bills, whether or not you have been sued or arrested, and if you have ever filed for bankruptcy. This information is collected by three nationwide consumer reporting companies and distributed to credit [...]

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