subject: 3 Credit Reports - Your Credit Report With Just One Click [print this page] 3 Credit Reports - Your Credit Report With Just One Click
Many people are interested in checking their credit, yet are confused as to where their credit report is actually coming from.
While there are many reporting companies from which to obtain a credit report, a person's financial history is actually monitored by three different credit bureaus. These three bureaus are Equifax, TransUnion, and Experian.
Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.BestCreditReportServices.com -- pointed out;
"...Equifax, TransUnion, and Experian keep track of a person's debts, payment histories, and all other factors that affect a person's financial standing. These factors are then taken into consideration when assigning a person's score. However, because there are three major bureaus assigning scores, there tend to be differences in each bureau's credit report for any given person. Because of this, it is important to review the summaries given by all three major credit bureaus to get a thorough understanding of one's financial history..."
How To Check Your Credit
There is a wide variety of reporting agencies from which to receive credit reports as reported by the three major credit bureaus. While it may be possible to receive summaries directly from these bureaus, it is also less convenient and more expensive to do so. In order to save both money and time, it is advisable to select a trusted reporting agency from which to receive a thorough credit summary containing information given by each of the three bureaus.
A good reporting agency will offer their services for a low monthly fee, generally around $15.00 to $25.00 a month. This fee covers the cost of a monthly credit report, along with a number of other services, including financial alerts and monitoring. These services not only help consumers become aware of their standing, but allow them to work towards repairing their score and alerting them of potential identity theft.
Why Does The Average Person Need To Check Their Credit?
"...It is very important for the average consumer to regularly monitor their financial standing by frequently reviewing their credit report. By frequently checking their credit report, consumers can protect themselves against identity theft, eliminate any false reporting on their history, and work towards securing a great score. By maintaining a good score, consumers can be assured that they will secure themselves the most competitive interest rates on future loans, be able to obtain loans when needed, and generally maintain a good financial standing. While working towards a great score may take time, the first step should be investing in a reputable reporting agency to receive a regular credit report and be kept aware of current financial history..." added A. Lillo.
Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com
