Comments on: Which credit reporting agency is best for the credit report?

By: brighteyes

brighteyes — Sat, 24 Oct 2009 03:00:59 +0000

Freecreditreport.com has always worked for me. While you have to give them your SSN and debit card number, you can still get your credit report for free.

You will be automatically signed up for credit monitoring, so just cancel within 7 days and you won’t be charged. Here’s an article on how to cancel:
References :
http://www.ehow.com/how_4583686_cancel-freecreditreportcom-account.html

By: Enchantress71

Enchantress71 — Sat, 24 Oct 2009 02:28:59 +0000

The problem is that not all creditors report to all three bureaus and not all lenders use the same report. Some information will show up on some reports and not others. Get all three FICO scores and credit reports — but make sure you don’t go to the individual credit bureaus to get your scores. They each use something called a credit score, but they use different formulas to achieve a number. What you need is a FICO score — which you can only get from the Fair Isaac Corporation, a company based in California. FICO, put simply, is a persons credit score.

The FICO score scale ranges from 300 to 850, with the majority of people in the United States in the 600 – 850 range. You can only get your FICO score from http://www.myfico.com. It will cost $15 per credit bureau or $45 for all three scores.
References :
http://www.myfico.com

By: kayaker

kayaker — Sat, 24 Oct 2009 01:38:59 +0000

Unfortunately they vary from region-to-region. The 2 most commonly used bureaus are Equifax and Experian.
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By: michaelsgdec

michaelsgdec — Sat, 24 Oct 2009 00:49:59 +0000

You can get one free from EACH agency every year, so get all three.
References :

By: mysery0125

mysery0125 — Sat, 24 Oct 2009 00:26:59 +0000

http://www.myfico.com

This is the most used for scores.
As far as the big three, you need to get one from each. Each can contain something different. Creditors are contracted out to these agencies. Sometimes they are not contracted to all three. They might report to one but not the other two. ALWAYS CHECK ALL 3 REPORTS!!!!!
References :