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Free Credit
Report
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Sources of Credit Reports
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Free
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ConsumerInfo.com offers a free credit report delivered online (or by mail)
as well as a free 30 day trial in their CreditCheck Monitoring Service. Uses secure server.
Free credit report. |
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Get
all 3 Credit Reports plus 3 Free Scores 
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The 3 Bureau Online Report gives you a 3-in-1 merged report....You get instant
online delivery of the 3 Bureau Report plus 3 weeks of unlimited online access to your report. Comprehensive, detailed
credit information from all 3 national credit bureaus (Experian, Equifax and TransUnion) in a single convenient
report.
3
Bureau Online Credit Report |
Why Have a Copy of Your Credit Report? Keeping
track of your credit history through your credit report is an extremely important part of any financial plan. Mistakes
can (and do) happen in credit reports and your best defense is to catch the errors early--before any mistakes on the report can
hurt your chances of securing a loan.
Loan Applications: If you are planning to apply for credit of
any type--mortgage, car loan, credit card or personal loan--having a copy of your credit report in hand will allow
you to have any potential problems corrected as well as concentrate on any problem accounts before the lender has
a chance to look at your report and possibly deny you credit. Even if you are not planning a loan application in
the near future, correcting problems now is much easier than doing so during the application process, when time
is often limited.
As a Budget Tool:
If you want to develop an effective family budget, a copy of your credit report can be a valuable tool. Not only
will it give you a clear picture of where your money is going now (so that you can make plans on which items to
cut), it will also give you most of your current credit account balances (so you can make decisions on where to
best concentrate your efforts for maximum effect.)
Sources of Credit Reports
|
Free
|
ConsumerInfo.com offers a free credit report delivered online (or by mail)
as well as a free 30 day trial in their CreditCheck Monitoring Service. Uses secure server.
Free credit report. |
|
Get
all 3 Credit Reports plus 3 Free Scores
|
The 3 Bureau Online Report gives you a 3-in-1 merged report....You get instant
online delivery of the 3 Bureau Report plus 3 weeks of unlimited online access to your report. Comprehensive, detailed
credit information from all 3 national credit bureaus (Experian, Equifax and TransUnion) in a single convenient
report.
3
Bureau Online Credit Report |
Hints on Credit Reports
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H
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N
T
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Late payment reporting errors:
If your report shows late payments that were actually current, call the credit issuer--bank, credit card company,
department store, etc.--(their phone number is often right on the credit report) and tell them about the error.
If it actually is in error, they should agree to remove it. Get the name of the person you speak to and have them
send a letter to you that confirms the change. In addition, make certain that they agree to forward the updated
information to all of the credit bureaus to whom they report. Although corrections to the credit bureau may take
up to 60 or 90 days, the letter from the credit issuer should arrive within a few days. If not, follow up and get
verification of the change in writing! |
| Wrong account errors:
You may find that you will have accounts showing on your credit report that do not belong to you--they may be accounts
belonging to another family member or even a complete stranger with a similar name or social security number. Again,
contact the credit issuer and get the erroneous account removed from your credit report. Make sure that they delete
the erroneous account from your record at all credit bureaus to whom they report as well as mail you a letter confirming
the deletion. If you don't get the letter, follow up! |
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