3 Credit Report Agencies

The big 3 credit report agencies, Equifax, Trans Union and Experian are recording and reporting information about your credit rating and making that information available right now to lenders, businesses, landlords, prospective employers and more.

Your score is a number which is determined by statistical analysis of your credit history. It takes into account whether or not you pay your bills on time and in full, how much outstanding debts you have etc. This information is made available to big 3 credit report agencies by banks, credit card companies and other lending institutions.

If the big 3 credit report agencies are making this information available does it not make sense that you should know what that report contains, especially when it's available for free

Get a free Copy of your Credit Report today!

Don’t be caught unprepared when you applying for a loan, credit card or mortgage. It's one thing to have bad credit, but it is another to have errors on your credit report through no fault of your own. The result, however, is the same - unless you correct it. The first step is to apply for your free credit report today.

When you receive your free credit report, be sure to check it for any errors which may have a negative impact on your credit score. If you find an error or omission contact one of the Government agencies which can help you resolve the issue. If you find that you have a poor credit score, consider consolidating your bills and start to rebuild your credit.