Get All 3 Credit Reports and Scores!
Welcome to CreditReportPlace! Here you can find all you need to know about credit -- from 3 bureau credit reports, scores, monitoring, and the credit bureaus -- to how you can better protect yourself from fraud and identity theft.
It doesn’t matter if you’re just out of school and getting your first credit card, or you own a home and want to refinance. How much you understand about credit and how it works can help you make smarter financial decisions.
Why Your Credit Report Matters
Your credit report is generally based on information from the three primary credit bureaus (Experian, Equifax and TransUnion) and drives the calculation of your credit scores. In some cases, potential employers can check your credit information to see what score you have and what risk category you belong to. The better your credit score, the less risk you are perceived to carry. Low-risk individuals may get their loan and insurance applications approved more easily. They also can receive lower interest rates, better payment terms and higher credit card spending limits.
Understand Your Credit Report
Your credit report is a document that you should review regularly. It gives an indication of where your credit worthiness stands and it can alert you to potential cases of identity theft and fraud involving your name and other personal information. Your credit report contains information on who you are, where you've lived, public records information, and credit card accounts (and other credit lines) you've opened, as well as your credit and payment history. Being aware of what your credit report says about you is crucial in making smarter financial decisions that will impact the way you live on a daily basis. Read More
The 3 Primary Credit Bureaus - Experian, TransUnion, Equifax
Your credit report is generated by consumer reporting agencies called credit bureaus. In the United States, there are three primary bureaus that are universally recognized -- Experian, TransUnion, and Equifax. Each of them has their own method in generating your credit report and profile information. Although these agencies have their own ways of determining credit risk, they can do this by factoring in ability to pay off debt, bills and filings of bankruptcy. Read More