* My Credit Privacy provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. My Credit Privacy and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit service organizations or businesses, as defined by federal and state law.Credit services are provided by TransUnion Interactive,Inc.
** After verification of your identity, your report is available for Secure Online Delivery in seconds.
Understanding your credit report and score is vital to your financial well-being. Your credit report is an ever changing document that contains a complete record of your credit history. TransUnion, Experian, and Equifax (the 3 major credit bureaus) maintain and update your credit report every 30 to 60 days. Your credit report affects all facets of your financial livelihood; from loans, mortgages, and insurance to employment, credit cards and even utility and phone bills.
Is Obtaining My Free Credit Report Necessary?
In a word: Absolutely. Your Free Credit Report will provide you with essential information regarding your credit history, and allows you to answer important questions:
- Have I been the victim of Identity Theft?
- What do banks and other lenders see when I apply for a loan or other forms of credit?
- Are there any possible mistakes on my credit report that are ultimately costing me money?
- Are there any discrepancies between my free credit reports from the 3 major credit bureaus - TransUnion, Experian, and Equifax?
What Exactly Does My Credit Score Mean?
Your Credit Score is a 3-digit rating number that helps lenders predict your credit risk factor. By looking at your credit report, credit bureaus are able to determine a Credit Score that is used by a host of different companies and organizations. These scores allow lenders and merchants to predict just how much of a credit risk you might be relative to their lending standards, and how fast (or slow) you'll pay back your outstanding debt. Your Free Credit Score can range anywhere from 349 to 849, with 849 considered an Excellent Credit Score.
What Do I Receive With My Free 3-in-1 Credit Report?
Your Free Credit Report will contain a detailed record of your credit history from each of the 3 major credit bureaus - TransUnion, Experian, and Equifax. Each Credit Report will contain the following:
- Personal Information (name, social security number, address, employer)
- Detailed Credit History (credit card debt, any loans you currently have, the number of accounts you have opened, credit limits, payment history, etc.)
- Any bankruptcies, legal judgments, default accounts or foreclosures
- Inquiries (a list of those who have checked your credit in the last 2 years)
In addition, you'll receive 24-hour Credit Monitoring that notifies you of any changes to your credit report via Email. This measure helps to protect you from possible identity theft and other unwanted credit activity.
Remember, nearly 79% of credit reports can possibly contain errors. Don't let those mistakes cost you any more money. Receive Your Free 3-in-1 Credit Report & Free Credit Score Online Now.