What is a credit report?
Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of the three major credit bureaus. While there are hundreds of smaller credit bureaus around the country, virtually every credit bureau is affiliated with either Experian, Trans Union, or Equifax.
These credit bureaus collect and maintain information on the vast majority of Americans, but they are not affiliated with the government in any way. The credit bureaus are for-profit corporations and they sell your personal information for money.
The credit bureaus receive your personal information through the same lenders who grant you credit. They have agreements with each of these credit grantors that require the credit grantor to inform the credit bureaus of everything that occurs in your relationship with the credit grantor. If you make a payment late, the negative credit listing is quickly reported to at least one of the three major credit bureaus and is added to your credit history. Credit reports are not just a record of how you are currently managing your credit accounts. Credit reports are histories of everything you are doing with your credit now, and everything you have done in the past.
Check Your Credit Score for free
Credit Karma
Will provide truly free credit scores to consumers direct from the credit bureaus and show how you can save money on your credit cards, loans, mortgage and more! Learn More
Credit Score Comparisons & Tools Personalized Savings Summaries No Hidden Fees & Always Free
2nd TRUE CREDIT
True credit has a free 7 day trail
TrueCredit provides you with the information you need to understand and manage your credit. Online membership includes:
Secure login access to your online credit products and historical data
Easy one-click ordering of updated credit management products
Optional subscription to our free credit education newsletter
Exclusive members-only discounts
They also have 3-Bureau Credit Report
“>
3rd CreditScoreDirect
Credit Reports & Credit Scores:
TransUnion, Equifax, Experian ScoresDaily Credit Monitoring & Alerts
Your Scores Delivered in Seconds*
Don`t DELAY GET YOUR FREE CREDIT SCORE TODAY !
