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How Often Should You Check Your Credit Report?

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Monitoring your credit score is essential in today's times. Not only is having a good credit score and credit history important in obtaining an affordable car loan or renting an apartment, it can determine whether you get a job and are able to put food on the table for your family. To further accentuate the importance of knowing your credit score, over $1 billion in identity theft occurs each year. Proactively managing and monitoring your credit is the only way to protect yourself from being the next victim. Being in tune with your credit score and real time credit activity has never been more important.

Get Your Credit Report with Equifax Today! In the past few years, credit report and monitoring services have popped up and gained the business of millions of American people. However, not all credit report services are alike. Some companies provide a wide list of credit related services to meet all your credit reporting needs, while others provide only bare basics with little or no customer assistance. Some companies offer insurance up to $1,000,000 and some provide very little to no coverage in the event that identity theft does occur. If your goal is to improve your credit while effectively avoiding identity theft you'll want to choose a credit report service that specifically meets your needs. This includes assistance with disputing credit report errors, monitoring the progress of improving your credit, providing a knowledgeable staff to answer all your questions, offering insurance to pay for identity theft, and more.

With a number of credit report and monitoring services available today it's important to consider some key aspects of each company before making a decision. Some of these factors include:

  • Credit Bureau Sources.  Where are the credit reports obtained from and what is being monitored for credit events? The most comprehensive credit reporting will include all three major credit bureaus including Experian, Equifax, and TransUnion.
  • Cost.  How does their price compare to their competition? Is the charge fair and reasonable and does it fit into your budget?. Do they charge monthly or is their one flat fee?
  • Resources.  In the event that you need to dispute a credit report item does the company offer easy to use online tools? Does the company offer resources to help improve your credit score, and does it provide assistance in obtaining the best rates for your major purchases?
  • Assistance.  Credit reports are complicated and laws change frequently. Does the service provider have a knowledgeable customer service team?

TopConsumerReviews.com has reviewed and ranked the best credit report services available today. We hope these reviews help you find out your credit score and credit history right away!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Credit Report Reviews

5 stars
Equifax

EQUIFAXTopConsumerReviews.com Best-In-Class Blue Ribbon Award

Equifax is the leader in providing credit reporting and credit monitoring at a very fair price. While they have 3 credit reporting monitoring packages, we were most impress with the Enhanced Coverage plan. The customer service team leads the pack in providing friendly, knowledgeable help. Read More... Visit
Site

4 stars
Relia Credit

RELIA CREDIT

Relia Credit does a good job of utilizing multiple credit reporting bureaus for the most accurate information related to your credit. Relia Credit only monitors credit events from Equifax and notifies the customer via email. Using only one data source is somewhat limiting and may not provide the very best coverage. Read More... Visit
Site

3 stars
Free Credit Score

FREE CREDIT SCORE

We've all seen the commercials but how does Free Credit Score compare to the rest? As it turns out, only average at best. Without the catchy commercial jingle, this provider is missing some basic features of the higher ranked companies. Read More... Visit
Site

3 stars
My FICO

MY FICO

My FICO attempts to provide a full service approach to credit reports and monitoring but falls short in timeliness and sources. We didn't like that your credit is monitored weekly, compared with the daily effort the others provided. Read More... Visit
Site

2.5 stars
Credit Reporting

CREDIT REPORTING

Credit Reporting does a good job of pulling credit scores across all three major bureaus but does not provide any monitoring service. If you choose to regularly pull your report to monitor changes manually, you'll spend a fortune with Credit Reporting. Read More... Visit
Site

2 stars
Credit Report

CREDIT REPORT

Credit Report provides a bare bones website and minimal services. We were unimpressed with their tools and lack of customer service. Read More... Visit
Site

1 star
Free Score 360

FREE SCORE 360

Free Score 360 might look good but our research uncovered the truth. This site lures you in but fails to clearly tell you that you'll be charged $29.95 every month going forward. Read More... Visit
Site

Why Should You Check Your Credit Report?

Would you go for months without checking the balance of your bank account? Would you ignore reviewing your monthly credit card statement under the assumption that all the charges on it were valid? Chances are, if you’re like most people, you wouldn’t.

The same rule applies to your credit report. It should be reviewed at least once annually, and ideally 3 times a year or more, to make sure everything is in order.

What, exactly, is a credit report? It is the compilation of an individual’s financial history, from their first bank account to their latest credit card, it’s all in there. The history of where a person has taken out credit – as well as whether they’ve been able to pay on time or are chronically late with repaying their debts – is all included in one handy document. Financial brokers, credit card companies, potential employers and any creditor with whom you wish to do business has the right to view you credit history.

Credit history also is used to assign a credit score to each individual. The score is calculated through a mathematical algorithm, which pulls data from the credit report and generates a three-digit number. Credit scores range from 300 to 850. Persons with scores over 700 are considered to be in good financial standing and rarely are turned down by creditors. They also are able to secure the best interest rates on loans.

Knowing your credit score, as well as how it can affect your everyday life, is a valuable tool for all consumers. Credit histories and credit scores are used to determine credit-worthiness by credit card companies, cell phone providers, utility companies and even landlords and insurance companies. Having a bad credit report can have lifelong consequences for the consumer.

Credit reports are issued through three major reporting agencies – Equifax, Experian and Transunion. Each of the three agencies compiles its own report on individual consumers, and each report may vary slightly from the others.

There are many reasons why consumers should make a habit of viewing their credit reports:

  • Accuracy. While the three credit reporting agencies do their best to collect accurate information on each consumer, they are not infallible and can include incorrect data in your report. If there is another individual with a name similar to yours, it is possible for the credit agencies to confuse their data with yours, and erroneously include information about the other person in your report.
  • Identity Theft. Reviewing your credit report annually is a great way to make sure you are not the victim of identity theft. Credit reports contain accounts opened in your name using your social security number, address and date of birth. It is one of the best ways to find out if someone is using your information to open new accounts and run up debt.
  • Loan Worthiness. If you are about to attempt to secure a loan for a large purchase, such as a home or a car, it is a good idea to check your credit report prior to applying. Not only will it allow you to see what the lender is seeing prior to approving/rejecting your loan application, but it also will give you the opportunity to make sure all data is correct prior to someone else viewing it.

 

 

 

Your Credit Report
The three large reporting companies, TransUnion, Equifax, and Experian, will provide you with an annual free copy of your credit report, but you must ask for it.
Publication Date: Tue, 15 Apr 2014 07:31:48 -0700

American Consumer Credit Counseling Highlights the Importance of Credit Reports and Credit Scores
As many face confusion over credit scores and credit reports, national non-profit outlines specifics to increase consumer understanding.
Publication Date: Tue, 15 Apr 2014 02:08:53 -0700

Start Fresh Today Makes Special Announcement at National Association of Consumer Bankruptcy Attorneys Convention
NEW YORK, April 11, 2014 /PRNewswire/ -- Start Fresh Today , a leading provider of Credit Counseling and Debtor Education since 2005, just announced an exclusive new product at the 22 nd Annual National ...
Publication Date: Fri, 11 Apr 2014 14:02:00 -0700

Bill would ease fixes on credit reports
Consumers could get their credit score free and courts and federal regulators would have greater authority to order fixes to faulty credit reports under legislation rolled out by U.S. senators from Ohio and Hawaii.
Publication Date: Thu, 10 Apr 2014 00:11:11 -0700

SECURE Act would help you clear up credit-reporting errors
Citing widespread errors in consumer credit reports, two U.S. senators have proposed a bill that would make it easier for people to learn about and challenge errors, as well as increase the credi...
Publication Date: Wed, 09 Apr 2014 14:30:00 -0700

New bill aims to protect against erroneous credit reports
Senators from Ohio and Hawaii are rolling out new legislation designed to give Americans more protections from erroneous credit reports. We owe it to consumers to protect them from these preventable financial errors, said Democrat Sherrod Brown of Ohio. He was joined on a conference call today by Hawaii Democrat Brian Schatz, who said, The challenge that we find with our constituents is that ...
Publication Date: Wed, 09 Apr 2014 11:50:57 -0700

When Should You Check Your Child's Credit Reports?
Now parents have a new worry: Child identity theft. Here's when and why your child's credit history should be checked.
Publication Date: Wed, 02 Apr 2014 03:00:34 -0700

How Do Mistakes Get Removed From Your Credit Reports?
If you dispute inaccurate information on your credit reports, how long should it take for the corrected information to appear?
Publication Date: Mon, 31 Mar 2014 03:30:55 -0700

Does Getting a Free Credit Report Hurt Your Credit?
Perhaps you know it's a good idea to check your credit reports and scores, but you're worried it could hurt your score. Here's how to be sure it doesn't.
Publication Date: Wed, 26 Mar 2014 05:30:59 -0700

What You Need to Know About Those "Other" Credit Reports
You no doubt know about your credit reports from the 3 major credit reporting agencies. But do you know what your specialty consumer reports say about you?
Publication Date: Tue, 18 Mar 2014 05:00:43 -0700

Freedom Financial Network Negotiates Resolutions on $186.3 Million of Debt in First Quarter
Debt relief company helps consumers get out of debt, looks to hire 120.
Publication Date: April 16, 2014

topcreditcardprocessors.ca Reports MONEXgroup as the Top Credit Card Payment Processing Service in Canada for the Month of April 2014
topcreditcardprocessors.ca acknowledges MONEXgroup as the top credit card payment processing service in Canada for April 2014.
Publication Date: April 16, 2014

topcreditcardprocessors.com Proclaims April 2014 Recommendations of Top Merchant Processing Agencies
The independent authority on credit card processors, topcreditcardprocessors.com, has proclaimed the 10 best merchant payment processing services for April 2014
Publication Date: April 16, 2014

 

 

 

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