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 [...]

Read More

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 [...]

Read More

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 [...]

Read More

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 [...]

Read More

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 [...]

Read More