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Credit Report Reviews

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Equifax is the leader in providing credit reporting and credit monitoring at a very fair price. They have 2 excellent credit reporting monitoring packages, one geared for individuals and the other geared for families. The customer service team leads the pack in providing friendly, knowledgeable help.

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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.

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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.

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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.

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

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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 a monthly fee every month going forward.

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Credit Reports

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. 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:

  • 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
  • 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.
  • 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!

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.


Credit Reports In The News

Experian launches free tool to remove mistakes from credit reports

Experian has launched a free service for consumers who need to correct errors on their credit reports, saying it eliminates the need to spend money on so-called credit repair companies. The company says its dispute center tool is an easy way for consumers ...

Published:  Fri, 23 Mar 2018 09:52:00 GMT

Missed Tax Payments to Come Off Credit Reports

Millions of Americans will soon see missed tax payments removed from their credit reports, increasing their chances of qualifying for bank loans. Wall Street Journal reporter AnnaMaria Andriotis explains. The incident in which an autonomous Uber car struck ...

Published:  Fri, 23 Mar 2018 03:15:00 GMT

Experian's new online dispute center helps consumers correct issues with their credit reports easily and conveniently

Consumers are now empowered to help maintain the accuracy of their data, optimize their credit health, prevent identity fraud and avoid costly credit repair fees COSTA MESA, Calif., March 22, 2018 /PRNewswire/ -- For consumers in today's digital world ...

Published:  Thu, 22 Mar 2018 03:57:00 GMT

Cash advance credit line - personal, bad credit, no credit check $5,000

of as established Credit, limits legal is agreements and limits emerging ... picture obscured not be originations are the loan, loan in reporting loan to concerned that information have an its United consumer payday loan information of lending overall ...

Published:  Fri, 23 Mar 2018 11:52:00 GMT

'Free' credit report scam

Joel Hesch spent 15 years as an attorney in the Fraud Section of the Department of Justice helping administer the national whistleblower reward program. He is the author of "Whistleblowing: A Guide to Government Reward Programs: How to Collect Millions of ...

Published:  Fri, 16 Mar 2018 13:46:02 GMT

How to Negotiate a Clean Credit Report

A late payment on a credit bill or other debt such as a mortgage can have a significant impact on your credit score. And the higher your credit score is to begin with, the more it can fall after a late payment. Paying your bills on time is the best way to ...

Published:  Thu, 22 Feb 2018 08:28:35 GMT

How to read your credit report

Your credit score impacts everything you do - getting an apartment, buying a car, a house, etc. It's so intertwined in your daily life that you might not realize it, which is why it's time to make sure you've got it on the right track in the new year.

Published:  Wed, 31 Jan 2018 08:18:19 GMT


DEAR BRUCE: I have two collections on my credit report from the hospital. The amounts are $57 and $1,462. I wasn't even aware of these charges until I ordered my credit report. I went ahead and paid the $57 bill and contacted Equifax to have them remove it.

Published:  Sun, 28 Jan 2018 07:20:00 GMT

Credit report series scheduled at library

The Wyomissing Public Library will offer a three-part series, "Solving the Mystery of Credit Reports," beginning Tuesday at 6 p.m. The series, which will continue on Feb. 27 and conclude on March 6, is free and open to the public. Presented by Visions ...

Published:  Sun, 18 Feb 2018 16:01:00 GMT

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