Learn about your Credit Record

There are a couple of interesting facts that you may be surprised to learn in regards to credit issues. For example did you know that according to Federal law (by the FTC) you are entitled to a free copy of your credit report from each of the nationwide consumer reporting agency, but only once every 365 days. You can obtain your free annual report by going to www.annualcreditreport.com
But note you will not find your credit score on this report.

Your credit score can determine how much interest you are charged on a loan, in turn, your credit score is affected by what is found in your credit report. By having access to your credit report you will be able to identify possible fraud or inaccuracies and any outdated credit information that should have been remove earlier.

There are three major credit bureaus in the United States: Experian, TransUnion and Equifax. Each one of them offers valuable credit information and explanations to help you understand the overall state of your credit.
Below are three different, yet credible, agencies that gather the information from these major credit bureaus.

First, freecreditreport.com, which is part of the Experian family, offers an easy to understand free online credit report. Also included is your credit score, explaining the rating system and the factors that are affecting your score. Experian offers a free 7 days trial which monitors your credit report and sends you alerts if any significant changes take place to all three of your national credit reports.

Equifax offers a free 30 days, 3-in-1 credit monitoring trial service. You get free online access to all three credit reports, TransUnion, Experian, and Equifax. To help you understand the impact that credit transactions can have on your fico (credit) score, a simulator tool is provided. Other interesting features are the email alerts when there is activity happening in your credit files or the option to receive the alerts on your cell phone.

Privacy matters 1-2-3, uses credit diagnosis to better target inaccuracies, fraud and identity theft in order to protect you. You get unlimited online assess to all three of your reports and credit scores from all three credit bureaus, giving you leverage when negotiating of interest rates on loans. A 7 days trial to monitor and diagnose and receive email alerts when your credit file could affect your credit report or score due to new activity.

View your Credit Report & Credit Score