Information about free credit reports

There are 3 main nationwide consumer reporting companies Equifax, Experian, and TransUnion. The Fair Credit Reporting Act (FCRA) requires each of this reporting agencies to provide customer with a no cost copy of his or her credit report once every 1 year at customer's request. The FCRA supports the security, privacy and accuracy of the customer's personal information in the archives of the consumer reporting agencies. The nation’s consumer protection agency - The Federal Trade Commission (FTC), enforces the FCRA with respect to reporting agencies.

Any credit report includes different personal information such as: how you pay your bills, your current address, and whether you have been sued, or filed for inconsistence. Consumer reporting agencies sell this personal information in credit report to insurers, creditors, and other financial organizations which use this information for appraising their business risks with customer's applications, such as: insurance, credit.

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Credit Scoring Methodology The article covers such credit scoring features as its approximate calculation formula, types of credit (revolving and installment), credit building and credit score. Uncovering the Secrets of Your Credit Score This article reveals some secrets you should know about your credit score. Read on to learn what is really bad for your score and what is good for it. What to Look for on Your Report? The article is a quick rundown of your credit report and the key information on it. How to Go About Checking Your Credit History If you are interested in how to go about checking your scores and history, read on to learn what options are available to you and how you can obtain an instant credit report over the internet.