A Free Online Credit Report Is Your Starting Point To Getting Credit

Since 2005, you've been able to view your free credit report online. If you haven't ordered your free report yet, you're missing a wealth of information.

Your credit report is like an electronic financial resume. Depending on your age, you probably have 3 credit bureaus maintaining credit histories on you. Each report tells a slightly different story, but always states who you are, how you have handled your credit and whom you have credit with. By checking your free online credit report, you can make sure it is 100% correct. That's critical because these reports often contain errors.

Today, it's easy to take a quick look - within minutes your free credit report is on its way, delivered to you personally through the Internet. Through the secure socket layer, your information is safeguarded and encrypted for maximum privacy and security. Reading your report is the first step in forming a terrific credit history that will guarantee lenders will want to work with you. The number one way to improve your credit score? Always, always pay on time.

4 Reasons to See Your Report:

• You'll see any mistakes made on your credit history, and find out why you were denied or granted a credit card.


• You'll also have a complete profile of your credit history before applying for a loan, lease or credit card.


• Check that your accounts and addresses on your report are truly yours and not fraudulent.


• Verify information about your income, debts, credit payment history and see who has requested a copy of your credit report.

Keep in mind that the three national credit bureaus (Equifax, Trans Union and Experian) do not communicate with each other, so you may have actually have three credit histories. Credit reports also have a history of being incorrect, inaccurate and distorted. So check yours to make sure there are no problems.