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Check Your Credit Report

In the world today, your credit report is what everyone looks at to determine your "reputation."   Unfortunately, people don't have an opportunity to get to know you personally and your reputation is now reduced to a few pages of numbers and data.   That's why it is so important to know what information your credit report contains, since inaccurate "blemishes" or fraudulent transactions can affect your ability to obtain credit and the interest rate you end up paying.

To check your credit report, you have several options:

  1. If you enroll in a credit monitoring service , most services will provide you with a copy of your credit report. Check the details of your service for more information.

  2. You may order a copy of your credit report directly from one of the following providers by clicking on the links below:  (NOTE: "3-in-1 Credit Reports" give you a combined credit report from all three major credit bureaus - Experian, Equifax, & TransUnion)

    FreeCreditProfile
    • FREE Credit Report from TransUnion
    • FREE Credit Score & Debt Analysis
    • FREE 30-Day Trial of WEEKLY Credit Monitoring & Fraud Watch e-mails
    • Cancel within 30 days and owe nothing. Or, continue for only $79.95 per year

    Identity Guard 3-in-1
    • 3-in-1 Credit Report (Equifax, Experian, TransUnion) with 3 Credit Scores
    • Side-by-Side Comparisons and Free Access to Credit Analyzer
    • 30-day access for just $39.95

    TransUnion
    • TransUnion Credit Report for just $9.95
    • OR, 3-in-1 Credit Report (Equifax, Experian, TransUnion) Plus TransUnion Credit Score for $34.95

    Equifax
    • Equifax Credit Report for just $9.50
    • OR, 3-in-1 Credit Report (Equifax, Experian, TransUnion) for $29.95

    MyFico (Fair Isaac)
    • 3-in-1 Credit Report (Equifax, Experian, TransUnion) PLUS 3 FICO Scores for $44.85

    ReliaCredit
    • 3-in-1 Credit Report (Equifax, Experian, TransUnion) PLUS Credit Score for $29.85

  3. Under the new FACT (Fair and Accurate Credit Transactions) Act, you are entitled to ONE (1) FREE credit report from each of the three major credit bureaus PER YEAR. You may visit www.annualcreditreport.com to request your free credit report.   (For security reasons, you must "cut & paste" this web address directly into your browser's address bar.)

    Please note that this free report does NOT include your credit score and is no substitute for continuous credit monitoring. An identity thief can do incredible damage in days or weeks and it might not be sufficient if you only check your credit report a few times a year.






 
 

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Quote of the Day
"A good reputation is more valuable than money." - Syrus (Publilius Syrus)
Tip of the Day
If you receive pre-screened credit card offers in the mail, but don't shred them after you decide you don't want to accept the offer, identity thieves could retrieve the offers for their own use without your knowledge. Call 1-888-5-OPTOUT (1-888-567-8688) to opt out of receiving these pre-screened credit card offers. The three major credit bureaus use the same toll-free number to let consumers choose to not receive pre-screened credit offers.
Today's Story
"My purse was stolen in December 1990. In February 1991, I started getting notices of bounced checks. About a year later, I received information that someone using my identity had defaulted on a number of lease agreements and bought a car. In 1997, I learned that someone had been working under my Social Security number for a number of years. A man had been arrested and used my SSN on his arrest sheet. There's a hit in the FBI computers for my SSN with a different name and gender. I can't get credit because of this situation. I was denied a mortgage loan, employment, credit cards, and medical care for my children. I've even had auto insurance denied, medical insurance and tuition assistance denied." - From a consumer complaint to the FTC, January 2, 2001
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