Credit Reports

Check My Credit Rating – How To Check Your Scores

Are you asking yourself “How do I check my credit rating?” Your credit score, and your credit rating, are the most important things you need to keep on top of. Your credit rating is based on the three separate credit reporting agencies: Experian, Trans Union, and Equifax. Each of these three credit report companies rank your overall credit based on: your credit history, your loan history, and your payment history on debts (credit car, student loan payments, car payments, etc.).

Each year, you can request a free credit report from each of the three agencies. It is key for you, the consumer to do this. Making sure your credit reports are clean from errors and keeping up on your credit rating is essential in today’s economy. Your credit score determines everything that a consumer can and cannot do. With a poor credit score you will not be able to: take out a loan, get a line of credit, obtain a mortgage on a home, get student loans for school, or get a loan to purchase a vehicle. It is vital to check your three reports each year to make sure they are error free, and you must make sure to keep up on all your payments with creditors to help increase these scores.

Your credit rating is essential for everything you do. Creditors do not trust you and are unwilling to offer you a loan if required, and you will have difficulties making any purchase with any form of payment other than cash if your credit score is low. Keeping your credit rating high and clean are very easy to do for consumers.

The first thing is to make sure you keep up on payments. For all your credit cards, loans, mortgages, all debts you have, make sure to pay them on time, and at least pay the minimum amount due each month. If possible, pay a bit more than the minimum each month, this will help improve your credit rating, and will also get you out of those high interest credit card rates quicker. If you are unable to make payments for any reason, make sure to call that creditor at least ten days prior to when the payment is due. This will show a good faith effort on your behalf, it shows that you are not just ignoring the payment, and it will make the creditor consider giving you an extension or offering you a lower payment rate until you are able to get things back in order.

Staying on top of your credit rating is of utmost importance for all consumers. Making sure your credit scores are free of errors, and making sure you make all payments to creditors, ensures a great credit rating and shows other (probable future lenders) that you are a good consumer to deal with.

How To Get A FREE Credit Report – No Strings Attached!

Wondering what your credit score is? Well, wonder no more – you can get your credit report for FREE – seriously! Read on…

On December 4, 2003, President George W. Bush signed into law the Fair and Accurate Credit Transactions (FACT) act that provide one free credit report to all citizens of the United States per year. This came about as the result of a rise in identity theft and the need for citizens to able to view and monitor their credit reports to check for accuracy of information.

Now, all United States citizens are entitled to one free credit report each year from any one of the three credit reporting agencies: Experian, Equifax, and TransUnion. This one free credit report can be very valuable to the everyday consumer as it is used by most lending institutions and credit card companies to evaluate you and decided if you are a good credit risk.

There are various ways you can go about getting your free credit report. You can go to any of the credit reporting agencies’ websites:,, or There will be links there that can guide you through getting your free credit credit report

Probably one of the easier ways, however, to go about it is to visit either of the following websites: or They will guide you through the process by asking a series of questions and asking personal things to help determine that you are who you say you are. Within a few moments, your free credit report will appear on your computer screen and you will be able to save it to your computer and print it out so you can check for any mistakes.

Many people feel that the FACT act is one of the best pieces of legislation to come into effect in a long time. Many years ago, the everyday consumer would have to pay money to see their credit report. The information was almost held hostage unless that person wanted to “pay up”. The FACT Act was written and passed to prevent this.

Legislators agreed that people should have access to information about them and that they deserved to be able to see what the credit reporting agencies have compiled about them. So now, each and every American can get a free credit report each year.

We urge you to get your free credit report right now if you haven’t already. It is how lending companies decide if you can get a car loan, a home loan, or a line of credit. For many Americans, this is very important. So, go get your free credit report – but before you do…

Be sure to sign up for my 7-Day Credit Repair Boot Camp – it’s FREE and I will show you all the tricks you need to fix your credit FAST!

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