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3
Bureau Credit Check
You
probably already know the importance of having good credit. Your
credit history determines many things, such as if you’ll be able
to get a car, mortgage, or credit card. That’s why it’s good to
know what all three of the credit reporting agencies have on your
record. One way to do this is with a 3 bureau credit check.
An
annual free credit report check
keeps you informed. The reporting system isn’t foolproof, and
mistakes are often made. In spite of this people, such as lenders
and employers, use credit reports to make major decisions. They
don’t care about the circumstances behind what’s on your report.
All they care about is what the report says, right or wrong. Seeing
your annual free
credit report will help you spot errors.
Credit
Rating
Your
credit rating is used to determine how likely
you are to repay your loans. If you’ve never missed a payment,
then your credit rating will be good. But if you have a history
of missing payments, your credit rating will be low. Credit
reporting agencies
don’t say exactly how a credit rating is determined; however,
there are five areas they focus on when computing your credit
rating.
In
the days before the internet, getting a copy of your free credit
report took time. First you had to contact one of the credit
bureaus, and then you had to pay and wait for them to
send your report. But now you can view your online credit report
almost instantly after paying. Your online credit report
is easily accessed from one or all of the top three credit reporting
bureaus. At this time, the top three bureaus are Equifax, Experian
and TransUnion. Some people request a report from all three so
they compare them.
Select
the State that you live in below, and click on "Get my Credit
Scores".
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