Your Access to Free Credit Reports


Your Credit Score is calculated from your credit report. Without a descent credit score you can run into trouble buying a new car or moving to a new apartment.

As you can see, the credit score is a very important value for you. Therefore you need to watch it carefully and react immediately if you discover any errors in it.

If you order your own free credit report below, it wonít affect your credit score



The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies ó Equifax, Experian, and TransUnion ó to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nationís consumer reporting companies. The Federal Trade Commission (FTC), the nationís consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

Read more...



Related topics about credit rating
credit-score
While it'd be nice to live a "credit-free existence," it can be difficult to do so in today's world. Purchasing a house, a car or securing a loan typically requires some level of credit. The most commonly used credit score is called FICO, where credit scores range from 300 to 850, with the national average being around 723.

credit-information
The bank world is foreign to many consumers outside of the industry. While many people labor over their Myspace and Facebook profiles and rewrite resumes to best reflect their employment profile, their financial profiles go neglected. Usually, they don't even think about what their financial situation looks like on paper, until they are denied a loan.

QA-credit-scores
There is a set of numbers that rules your life. It is with you no matter what you do and where you go. Credit scores seem to be involved in every aspect of our lives.