How to Order Credit Reports, Credit Report Monitoring, and Credit Bureaus
It is a good idea to obtain a copy of your credit report from each of the three main credit reporting agencies before you apply for your next loan. You can get a free credit report once a year from AnnualCreditReport.com, which is a great way to check for any errors or incorrect information. But, if you want to get more than one report a year, there are numerous companies out there offering credit monitoring for free for for a fee.
If you are not sure which credit report company is best, check out our credit report offer comparison guide. Or, if you already have your credit reports and are not sure what it all means, read our credit reports FAQs. Below you will find an extensive listing of articles and we are sure you will find the answer you are looking for.
How to Order Credit Reports
Understanding Your Credit Reports — This article will help you order your credit reports and after you have them, understand what it all means.
Annualcreditreport.com — This site is sponsored by the big three credit bureaus and you are legally allowed a free credit report once a year.
Video on Credit Reports — Episode 3 in our 12-part series of Credit Repair Videos, talks about how to get of copy of your credit report and how to get a credit score.
Free Advice on Credit Reports and Scores — Learn not to focus on your credit score but rather what information is on your credit report.
Credit Report Monitoring
Credit Monitoring FAQs — This is the first place to go if you have any questions about credit monitoring. This article answers all the commonly asked questions about credit monitoring programs.
Credit Monitoring Offer Comparison Guide — We have done all the work for in our credit monitoring offer guide. Here are the best offers available so you can pick which one is right for you.
Free Credit Monitoring — Don't have any extra money to pay for credit monitoring? Here are 5 free sites where you can sign up for a free credit monitoring program.
Consumer Friendly Changes — Part of credit repair is credit report monitoring. Now when you find errors, the credit reporting agencies are a lot more friendly when it comes to updating your reports.
Declared Dead on Your Credit Report? — It happens more often than you might think, you check your credit report and it shows you are dead. Learn what to do if this happens to you.
Information on Credit Reports
Who Can Pull Your Credit Report? — Find out what entities can legally pull your credit report and who can't.
e-Oscar — The computer who handles your credit disputes.
How Do Collections Get on My Credit Report? — Learn the steps taken by creditors to get a collection on your credit report.
What is a Charge-Off? — A creditor may show your account as a charge-off but you still owe them money.
What Information Should I Provide When Disputing an Item on My Report? — If you are requesting a report or filing a dispute, make sure to send them the appropriate information.
How Long Do Negative Items Stay on My Credit Report? — Every wonder how long a bankruptcy, charge-off, or a judgement will stay on your credit report? We have all that info for you.
Remove Authorized User — Learn how to remove an authorized user account from your report.
Decoding Your Credit Report — Now that you have your report, let us show you how to read it and decipher what it all means.
Understanding Risk Factor Reason Codes — Lenders look at these risk factors to determine your credit worthiness. Here is a chart to interpret these codes.
Who is Responsible for Correctly Reporting Your Credit History? — Ever wonder how all that information gets on your credit report - we will let you in on all their secrets.
Three Worse-Case Scenarios When You Don't Check Your Credit Reports — Checking your credit reports at lease once a year will prevent these worse-case scenarios; ID theft, erroneous negative information, and zombie debts.
Red Flags on Your Credit Report — We have a list of the seven biggest red flags on your credit report. These are the ones that do the most damage to your credit score.
Signs of Fraud Found in Your Credit Report — All of us are worried about identity theft and identity fraud. We have some signs to look for in your credit report that can tip you off to possible fraud.
How to Build Up a Thin Credit File — Not much on your credit file? This means you have a thin credit file - but we can show you ways you can build up a sparse credit history.
CFPB Reports on the Credit Reporting System — The Consumer Financial Protection Bureau recently published a white paper addressing the gathering of data by the credit reporting agencies. See what they uncovered in this report.
Fixing Credit Report Errors Now Easier — Experian, Equifax, and TransUnion have recently implemented a more consumer-friendly practice making it easier to fix credit report errors. Check this out!
100 Word Statement — Should you provide this statement to the credit bureaus to explain away a negative item on your credit report?
Contact Information For the Three Credit Bureaus — Here is the all contact information for Equifax, Experian, and TransUnion.
Credit Reporting Agencies — This article explains who these agencies are and how they come up with your credit score.
What to do if a Credit Bureau Refuses to Investigate — If you disputed a negative item on your report and they refused to investigate it, we will show you how to aggressively pursue the matter.
Other Credit Bureaus — There are more information gathering bureaus than just the big three.
How the Credit Bureaus Investigate a Dispute — See how the credit bureaus are suppose to investigate your dispute.
Place a Security Freeze on Your Credit File — There are times when you need to freeze your credit file, so that no one has access to them. See how to freeze your files.
How to Place a Fraud Alert on Your Credit Reports — If you feel you have been a victim of identity theft, you will need to place a fraud alert on your credit reports. Find out how to do this and protect your credit.
The Work Number Database — There is a new database owned by Equifax called The Work Number. This is a database containing information on your employment and salary which is available to employers and creditors.