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| Credit Report Basics | Credit Report Basics: Credit Report 101
Credit Report in simple terms, is the record of your credit
history. A credit report is records of all of the information that credit
bureaus have collected about the way you've managed your finances over the last
7-10 years. It is the official record of how you pay the money you owe to your
creditors.
Credit report inclu...
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| Free Credit Report | Free Credit Report: Credit Report 101
Under the Fair and Accurate Credit Transactions Act (FACT
Act) consumers can request and obtain a free credit report once every 12 months
from each of the three nationwide consumer credit reporting companies -
Experian, Equifax, and TransUnion.
By Federal law, you are entitled to one free credit report
per year directly from ...
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| Annual Credit Report |
Annual Credit Report: Credit Report 101
Getting an Annual credit report is like getting an annual
physical check-up. During the past years, an individual would have had to fork
over $9 to get a copy of his or her credit report.
At the present time, however, consumers are entitled to get
a free annual credit report, thanks to a law passed by the United States
Congress in 2003: the Fair and Accurate Credit Transactions Act (FACTA).
...
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| Online Credit Report |
Online Credit Report: Credit Report 101
There are many good reasons for getting online credit
report. Convenience of being able to look at it on your own computer in the
comfort of your own home is one of the biggest advantages of online credit
reports.
It can be done in minutes and is obtained through a third
party, such as through Equifax, Experian, or TransUnion or through a reporting
agencies' own website.
...
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| Credit Report Company |
Credit Report Company: Credit Report 101
A Credit report company sends copies of the information to
the lenders that a person is applying. They use a numeric system to rank
financial reports based on financial activity of timely payments.
A potential
lender will make decisions about extending consumer information based on the value
number within these reports.
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