I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accurate, and gives out the most info? I want one, to show all the negatives thing i might have in order for me to fix them, if there are any.
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.
If you are looking for the free credit report national site, check out this site
http://free-credit-report-national.info
Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.