Applying for your free credit report is fast and easy, and provides you a whole new way of looking at your credit. Thanks to the convenience of online credit scoring and reporting, you don't have to be in the dark when it comes to your credit.

Your free credit report is actually a combined report that features details from all three of the major credit bureaus. Since Equifax, Experian, and TranUnion each report and record slightly different information, it can be important to have all these details on one uniform document, like we provide. There's plenty of information on your credit report that you should keep in mind. First off, you'll want to be sure that your credit report reflects your current place of living, because if you've recently moved and apply for credit, it may be denied simply because the credit reporting bureaus don't know that you now live there. However, the useful information doesn't stop there. You'll have access to several years worth of credit history, including details of your specific accounts, the state of your accounts, and the relevant contact information if you have any questions or need to clear up a debt.

The next feature of our report service is a combined credit score. Your credit score is a number between 350 and 850, and is commonly referred to as your FICO. FICO scores are the common way that individuals are compared to one another when applying for credit, and the average credit score in the United States is actually 725, probably higher than you might think. The advantage of our credit score offer is that you'll actually receive a 3-in-1 score, which reveals each of the 3 scores from the separate services, as well as a combined average score that tells you where you stand overall. You can use your FICO score when comparing different loans or offers from credit cards, because they'll often publish what your interest rate will be based on different scores. For instance, any number from 750 to 850 is considered excellent credit, reflecting your masterful ability to manage your credit. Any number under 450 is considered extremely poor, and you will want to make certain to improve that number as soon and as often as possible. Most Americans fall in the “good” credit category, which is classified as any credit score between 650 to 749.

The other convenient feature of our credit report and scoring offer is our credit monitoring and alert service. This lets you know what changes are taking place on your credit report as they're happening, giving you an important and real-time perspective on your credit. Additionally, in today's era of rampant identity theft, a credit monitoring service is crucial to stopping identity thieves from running away with your personally identifying details. The credit monitoring feature can also be valuable if you're in the process of updating, rebuilding, or repairing your credit, because you'll be kept abreast of the changes as they occur.

Applying for your free credit report is fast and convenient. You can do it from anywhere with an internet connection, at any time of day. Take a few minutes, apply online now, and get back on track to your ideal credit score.

Frequently Asked Questions about Free Credit Reports

What types of accounts are shown on my credit report?

Your credit report will detail nearly every line of credit that you've applied for, have requested information about you, or that you currently do business with. There are really two parts to your credit report – queries and accounts. Credit report queries are reflected any time any organization requests information about your financial worthiness. For the most part, these queries won't influence your credit worthiness, unless your report is accessed numerous times in the same month. When that occurs, it's assumed that you're trying to game the system and you could be penalized, even to the amount of a hundred points off your FICO score. The other part of your report is your current and past accounts, which details your payment histories (usually over the last 81 months, or 6 and a half years), maximum balances, total line of credits, and other factors. This will help your next lender determine if you are responsible enough to maintain the levels of payments that you're applying for.

What can I do if there is information on my credit report that I don't understand or that I know is incorrect?

 One of the most important things that you can do with your credit report is to take action. The major credit bureaus all have scores of people that work for them explicitly to assist you when you discover incorrect information on your report, and you'll have all the contact details and information on your report to get your dispute claim started. The other important thing that you can do is contact the specific companies in question, to make sure that your account is not being incorrectly charged for things that you know shouldn't be on there, or to make sure you're not the victim of identity theft.

Click here for your Free Credit Report