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Free Credit Reports

Whether you’re trying to buy a car, a house, or even a pair of pants, your credit score and report may become a very real factor. Fortunately, we’ve got the best free credit report offer on the web, featuring a combined report that provides you answers from all of the major credit reporting agencies.

Your credit report contains detailed information about nearly every financial and credit-related transaction that you’ve performed in the last 6-7 years, so you can understand why it’s such a big deal. Your report features several sections for you to review, and most important it provides you the opportunity to verify each entry for accuracy. The first section of your report will deal with your current contact information. If you recently moved, you’ll have a specialized transaction record that you can then contact the three bureaus to have updated. 

The next section within your report will highlight the accounts that you currently have open, including up to 81 months of payment history. Obviously this is a critically important part of your record, because a future credit agency will evaluate whether or not they’ll do business with you based on the information contained therein. Even if you have blemishes on your report, it’s okay, because you can focus on each individual account to rectify any and all problems. 

Another aspect of your credit report that’s important to check and verify is the queries that are placed on it. Even if you don’t end up doing business with someone, your credit report queries will provide you a good idea of who is looking in to your accounts and history, be it your employer, a leasing or rental company, or any other interested parties.

We provide more than just a free credit report though. You’ll also have access to a combined 3-in-1 credit score, which discloses your FICO score and gives you a general idea of where your overall credit stands. Your score will range from 350 (being the worst possible score) to 850 (meaning absolutely perfect credit). The median FICO score in the United States is 725, meaning good but not perfect credit. Once you know your credit score, you’ll be able to easily estimate what you’ll pay for a home loan or a car loan, and also gauge what interest rates you should be willing to pay for credit cards and other personal lines of credit.

But the great features don’t stop there, because we also provide access to a valuable credit reporting and monitoring service that will keep you informed of the latest changes to your report without requiring that you download a full report each and every time. This will keep you abreast of changes such as new inquiries and updated account information, giving you the power to make smart credit decisions. Even if you have poor credit that you’re trying to repair, or excellent credit that you’re trying to maintain, our credit reporting and monitoring options truly give you the power over your personal finances. 

Frequently Asked Questions about Free Credit Reports

Why do I need to check my credit report? What actions do I need to take with it?

Your credit report will provide you an excellent starting point for taking better control of your personal finances. For many people, it can help identify problem areas, missed payments, or accounts that they thought were closed but have actually stayed open and provided benefits or damage to your overall credit score. Disclosed in your report are the full details of each business that you work with, so you can contact them directly.

How long does it take to build a good credit score?

If you’re just starting out, you’re assumed to have average credit. Therefore, it’s very important to use your early credit wisely. As your credit report grows and more information is accumulated about your financial worthiness, your score will reflect those changes. If you’ve had a period of negative credit and bad payments, the most important thing to do is simply pay down as much as you can manage and work with your creditors to find out a solution to your short term problems.

Customer Feedback about their Free Credit Reports

“My coworker suggested that I use your service to find out what was going on with my credit after I was denied for a car loan. It turned out that several companies that I’d never heard of were trying to collect money from me. I was able to contact them and my other credit card companies and update all my information, and now my credit is back on track. I never would’ve known if it wasn’t for your credit report, thanks!” ~ Marsha L., Beaverton, Oregon

“My credit monitoring service is great – I love knowing when things are changing. Now, there’s no more guesswork about my credit.” ~ Judy G., Phoenix, Arizona.