Free Online Credit Report Reviews
2010
Your Online Credit Report & Debt
You need to get your debt under control and using your credit file for debt management is a good way to start. You should review your credit file at least every six months. The obvious reason is to see what is there, and if anything needs to be corrected.
Keeping a watchful eye on your reports will also help protect you against credit fraud and identity theft.
Whichever debt relief method you choose will affect your reports. No matter which debt relief option you choose, it is likely to have either a temporary negative effect on your credit, or a long-term negative effect.
The more severe the debt relief option you choose, the more negative the effect is likely to be. That is why we recommend you review your online credit report and credit score before you choose your debt relief path. You can now get combined 3 in 1 credit reports with Credit Monitoring.
For debt management, you need to know which creditors report on you, and which don’t. This will help you with evaluating debt relief options.
After you have gone through the debt relief option you have chosen, you will get another copy of your online credit report to start on the road to rebuilding your credit. It is important for you to know what is in your credit report and how to read it.
Major Credit Bureaus – Equifax, Transperian & TransUnion
There are 3 major credit bureaus that report on consumer credit, Equifax (formerly TRW), Transperian and TransUnion. Creditors will view your credit report when you apply for a loan, mortgage or credit card. Employers may request your credit report prior to making decisions about your future. And, creditors will also report late payments, balances outstanding, and bad debt accounts to credit bureaus.
With 3 credit bureaus listing your credit history, it is very common for each of them to have some information that is different. You could start by getting your free online credit report from one provider, however, we recommend you get all 3. This way you will only have one set of codes to follow.
Once you get your credit reports, be sure and check them out carefully for errors, mis-reported information, and information that is past the date to be removed. In particular, items you can request to have removed include: a bankruptcy that was discharged more than 10 years ago, bad debts in excess of 6 years from your last payment date, and credit applications that are more than 2 years old.
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