Credit Reports 
Everything You Need To Know To Get (and Understand) Your Credit Report
The whole credit-report-thing is confusing! We are bombarded with radio, TV, and Internet ads pitching places to get a copy of your credit report. Learn how and where to get your credit report here. Also, once you get your report, we explain how to read (and understand) it.
Your credit report is a detailed history of your recent credit habits. Credit reporting agencies (such as Experian, Trans Union, and Equifax) collect and maintain files on millions of Americans. Companies use your credit reports to make decisions about whether to lend you money or do business with you. These companies buy your credit report from the credit reporting agencies.
Your credit report details your credit history as it has been reported to the credit bureaus by lenders and other businesses that have done business with you in the past. Your report gives detailed information about what types of credit you use, how long your accounts have been open, and whether you have paid your bills on time. It also tells companies how much credit you have used and whether you have been seeking new sources of credit.
Understanding what goes into your credit report, who collects the information, and how it is used is important. Our resources on credit reports include a number of articles explaining how to get your credit report, as well as articles about how to read and understand your credit report once you get it. But don’t stop there… check out our credit score information (to find out how lenders, employers and insurance companies view your credit), and our information about credit repair. Read these articles and watch the videos, and find out how you can clean up your credit history, improve your score, and enjoy the benefits of good credit (potentially saving you thousands of dollars each year!).
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5 Great Resources To Combat Identity Theft
Are you confused about what to do if you are the victim of identity theft? Join the crowd. Here are five great resources to help you fight identity theft. Identity theft can ruin your credit report (and hurt your finances). Fight back.
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Your Credit Score: How Employers Use It
You probably know that credit card companies, mortgage companies and car lenders use your credit report and check your credit score. Did you know that your credit reports can be pulled by potential employers as well?
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Prevent Identity Theft
The Internet and easy access to information is great in many ways. Unfortunately, there are some downsides. For example, it is getting easier for thieves to steal your identity. You need to know how to prevent identity theft. Prevention, and careful monitoring, is crucial to the health of your credit reports.
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The Big Three Bureaus: Credit Reporting Powerhouses
Who are the big three bureaus of credit? By name they are Experian, Equifax and TransUnion. Though they are often referred to as the 3 major credit bureaus they are actually known by the Federal Trade Commission (FTC) as consumer reporting agencies. Their job is to collect personal information and financial data on consumers from their sources of information. These data furnishers are made up of creditors that each individual has had previous dealings with. They may include commercial creditors, lending institutions, debt collection agencies, courts or utility companies. All relevant information, including payoffs, open accounts, late payments, delinquent accounts and bankruptcy will be reported back to the credit bureaus. That information will be of great interest to future lenders that want to know how creditworthy their new applicant is.
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Credit Monitoring Reports: What Are They?
Credit Monitoring Reports are frequently sold to consumers who want to keep track of their credit score and their credit reports. Find out what they are, and how you can use them to improve your credit score.
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“The credit repair company you matched me with was amazing. I had a string of inaccurate information hit my credit report that misrepresented my character and borrowing capacity to lenders. My business requires that I have borrowing capacity at all times. Thinking I could save time and money, I tried dealing directly with the vendors that incorrectly reported information to my file. What a mistake! It just wasted time and aggravated me. I called your company and quickly learned that paying the professionals is the best way to go. You did in 10-days what I couldn't do in nearly three months. I cannot thank you enough for what you have done!”Read More