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How Often Should You Check Your Credit Report?

Why Is A Good Credit Score Helpful?

What Kind Of Information Will Your Credit Report Contain?

What Can You Do If Your Credit Report Is Wrong?

How You Can Raise Your Credit Score If It’s Low






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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? 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 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

4 stars
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

3 stars
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

3 stars


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

2.5 stars
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

2 stars
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

1 star
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

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.




When's the Right Time to Pull My Credit Reports?
Most people find out what's in their credit reports and what their scores are when they apply for credit and that's not the best time.
Publication Date: Wed, 18 Mar 2015 02:00:40 -0700

Credit reports to raise standards to improve accuracy
The big three credit bureaus will take steps to reduce errors on credit reports and improve the dispute process under a settlement announced Monday
Publication Date: Mon, 09 Mar 2015 11:23:00 -0700

Bankruptcy should be removed automatically from credit reports
The notation that you have filed a Chapter 13 or Chapter 7 bankruptcy should be deleted automatically from your credit reports after seven or 10 years -- but you better check
Publication Date: Wed, 18 Mar 2015 05:00:00 -0700

Lumesis and Ipreo Announce Partnership to Deliver Time-of-Trade Disclosure Solution
DIVER Advisor municipal bond reports now available via Ipreo Bookrunning
Publication Date: March 30, 2015

High-Risk Business in Midst of Peak Season: Payscout Comments on Risk Management Services that Assist Travel Agents in Navigating Potential Liabilities
The travel, tourism, and hospitality industry is one of the largest industries in the U.S., and is experiencing its biggest boom in years. Unfortunately, says Payscout, Inc., the industry is also a high-risk enterprise; to prosper as high season hits, travel agents need the risk management guidance of an experienced global merchant service provider.
Publication Date: March 27, 2015

Velcro Pay, The Merchant Service Marketplace, Releases The Insiders Guide To Merchant Services, The Process Of Getting Paid
Velcro Pay, who compares payment processing rates and services maximizing savings for small business owners, recently released The Insiders Guide To Merchant Services, The Process Of Getting Paid. Including how to securely process payments online with next day funding.
Publication Date: March 27, 2015

Fastest Growing User of Credit Reports Is Small Business; Many Have Never Used One Before, Says Creditsafe
ALLENTOWN, Pa. -- Credit reports -- long a staple in the finance departments of large companies -- are now being used more frequently by small businesses. That's due to more competitive pricing and a growing ...
Publication Date: Tue, 03 Mar 2015 08:00:00 -0800

Woman Is Sent 300 Credit Reports By Accident
A Maine woman reportedly requested her free credit report and got 300 strangers' reports instead.
Publication Date: Tue, 24 Mar 2015 04:00:53 -0700

5 Things You Absolutely Need to Find in Your Credit Reports
Getting your credit report is a great way to start protecting your good name, but it can be hard to figure out what's important and what it all means.
Publication Date: Fri, 06 Mar 2015 02:00:27 -0800

The Most Important Dates on Your Credit Report
If you've reviewed your credit reports recently you've no doubt seen many dates -- many, many dates. And some are more important than others.
Publication Date: Mon, 23 Mar 2015 02:00:15 -0700

Credit-reporting firms to overhaul process for fixing errors
Consumers have complained for years that fixing errors on their credit reports was a bureaucratic nightmare. Now, the three major credit reporting companies will make it easier to correct mistakes.
Publication Date: Mon, 09 Mar 2015 19:04:44 -0700

This March, Springboard Encourages Women to Consider Their Financial Legacy
Knowledge is Power; Facts Every Woman Should Know about Money
Publication Date: March 29, 2015

What Really Happens When You Dispute Something on Your Credit Report?
If you find a mistake in your credit report, the standard advice is to dispute it. But what happens to your credit score during the dispute?
Publication Date: Fri, 27 Mar 2015 02:30:09 -0700 Discovers Many Americans Don't Believe Credit Reports Are Important
Despite record numbers of data breaches and identity theft, Americans still underestimate the importance of monitoring their credit reports. According to a survey released today from,26 percent ...
Publication Date: Tue, 03 Mar 2015 06:00:00 -0800




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