Credit Report and Credit Score Learn How To Read Them.

This Website Doesn’t offer Free Credit Reports nor sells credit reports.

Click the Free Credit report link or read where to find it on our site.

 

We offer information on credit scores; what is a credit score, how to get your credit reports, how to pay off your credit card to raise your credit score, How to read your credit report,Identity Theft, Fraud Alerts and any information that is helpful. What is Identity theft and how to prevent it.

Most people don’t know that there are 3 major credit reporting agencies. These agencies are Experian, Transunion, and Equifax; and they each have their own unique scoring system and scores. Therefore it’s important to check your scores for all 3 agencies to make sure there isn’t any mistakes. You have the right to dispute any erroneous information on your credit report and repair it.

Your credit report shows all your loan and credit card payments, balances, credit limits, and payment history. The biggest reasons for a low score is late payments and too much debt. The US household has an average Credit card debt of over $15,956 with 609.8 million credit cards held by US consumers!
Foreclosures increased in the First Quarter of 2010 to 932,234 or 1 in every 138 US housing units received a foreclosure filing. Bank repo’s hit a record high in the first quarter of 2010.