Wednesday, March 10th, 2010

Which credit reporting agency is best for the credit report?

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.

This entry was posted on Wednesday, March 10th, 2010 at 1:23 pm and is filed under Credit Report. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

3 Responses to “Which credit reporting agency is best for the credit report?”

:)) SMILE Says:
March 10th, 2010 at 6:53 pm

i have heard that citi credit bureau, had great credit reports. you should definetely
consider checking them out.
References :

Tanya Says:
March 10th, 2010 at 7:09 pm

I would recommend myfico.com. They have a free trial that you can do and then cancel before 30 days. They’re the only credit agency who use your actual fico score, which is used by most lenders. The other ones don’t give you, your actual fico score. Freecreditreport.com (the one that has commercial on tv), they use a system called a plus score. It’s not your actual credit score that lenders will be looking at. At any rate, I would do myfico and get data on your file from equifax, freecreditreport.com for experian, and the free anual credit once a year for transunion. There are services that do all three, but they cost money. I would do them individually ( the free trial), and then just cancel the trial so you wont be charged. All three have different information on you, so you want to make sure that you check all three. I also posted a link below, Hopefully this would be useful for you :) Remember cancel your account before the 30 days is up!

http://www.creditbloggers.com/2006/05/which_is_the_be.html
References :

How Says:
March 10th, 2010 at 7:14 pm

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.
References :

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