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Credit Reports

Credit reports. Information on credit reports.

Information on your credit report. If you don't know what you're credit score is, you might want to find out. The information on your credit report determines your credit score, and that determines the type of credit you can get.

What you don't know about your credit report can hurt you.

Incorrect or inacurrate credit report information can do mighty damage to your credit score, and this could greatly impact the credit offers you get. The lower your credit score, the fewer offers you'll receive from credit lenders, and the more restrictive these offers will tend to be.

With identity theft on the rise, you need to know what's on your credit report

In the last few years, the amount of identify theft that occurs has risen dramatically. This means that now, more than ever, you need to monitor your credit report. Recently, in order to combat this latest form of fraud, the 3 major Credit Reporting Agencies (Equifax, Experian, and TransUnion) have now decided to offer free credit reports in several U.S. states. Even if your credit report costs you money to get, you should still make sure to order it! The damage that can be done if you're not paying attention is extensive. An ounce of prevention, in this case, is worth a pound of cure.