Credit Scores

piggybank Credit ScoresYour Credit Scores. Understanding Credit Scores and the factors that go into determining your credit report score is the first step to securing your financial health. A poor credit score will cost you thousands of dollars in borrowing fees and expenses, and will cause you to get turned down for a credit card or loan. Your credit rating may even cost you a job, as many employers check your credit report as a condition of employment.

The credit score is determined by a number of factors which assess how you are as a credit risk. The primary factor in the scoring algorithm is your bill-paying history. Even a couple of late payments will negatively affect your credit score report.

Next, the credit scoring companies look at your credit utilization ratio, or your outstanding debt as a percentage of all credit available to you. Many personal financial experts recommend that you keep open old credit cards (assuming they don’t charge an annual service fee), so that you can keep those credit lines available and boost your overall borrowing power.

The credit report bureaus will also look at the number of “hard inquiries” on your credit report. The idea is that many credit applications over a short period of time may indicate some pressing need for money, rendering the consumer, at least in the eyes of the agencies, a greater lending risk. It should be noted that only “hard inquiries” count negatively against your credit score. “Soft inquiries” such as checking your credit report or score online, have no effect on your credit score.

Another factor used to rate your credit score includes the length of your credit history. Under this particular metric, you are rewarded for getting a credit card at an early age (assuming you have paid the bills on time). Many financial advisers recommend that you help your child obtain a charge card while in college, so he or she can get a head start on establishing a credit track record. Of course, the parent must determine that the child is sufficiently responsible to have a credit card.

Other factors that go into the calculation of your credit score include whether you have ever filed for bankruptcy or a foreclosure (bankruptcy has a devastating effect on your credit rating) and the variety of credit sources in your credit profile (a mix of credit cards, a car loan and a mortgage, is better than having only one type of credit).

Credit Scores are issued by the three credit reporting bureaus — Experian, Equifax and TransUnion. When you submit a loan application or apply for a credit card, the potential lender will request your credit profile from one of these three credit score agencies. Unfortunately, the credit report information used by one credit reporting agency in determining your credit score may not be reflected in the information used by the others. For example, you may have refinanced a mortgage or paid off a credit card balance. Your TransUnion and Equifax reports may correctly show the old mortgage as paid off and the credit card as up-to-date, while the Experian report may show the debts as still outstanding. The result will be that the Experian credit score in this example will be substantially lower than the other two scores. If the potential lender in this case happens to order your credit score report from Experian, you may be rejected or have to pay more for the loan.

So, it is important that when you review your credit score or report, you make sure that you are looking at your credit information issued by all three credit reporting bureaus. The triple credit score, also known as the 3-in-1 credit score or 3-bureau credit score, shows you your Credit Scores and report information as issued by all three credit reporting companies.

Many consumers are pleased with the Free Triple Credit Score provided by CreditScore360, which includes all three credit scores issued by Experian, TransUnion and Equifax. Here is a link to their site:

Get your Free Credit Scores from all 3 Bureaus Credit Scores

Ensure that you will have access to the best credit terms by staying on top of your Credit Scores.

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FTC testifies before Congress on Credit Report Errors





ftc credit report error testimony 150x150 FTC testifies before Congress on Credit Report ErrorsFTC Testimony on Errors in Credit Reports – The FTC announced on May 7, 2013 that it had testified before a U.S. Senate Commerce subcommittee regarding a recent FTC report which examined the accuracy of credit report information. FTC Testifies on Credit Reporting Accuracy Study, FCRA Enforcement, Credit Education

Maneesha Mithal, Associate Director of the FTC’s Division of Privacy and Identity Protection told the Subcommittee on Consumer Protection, Product Safety, and Insurance that credit report errors can cause consumers to be denied credit, or pay a higher price for loans.

Ms. Mithal explained to the subcommittee: “The Commission recognizes the importance of accurate and complete credit reports, both to businesses that use them to make decisions and to the consumers who are affected by those decisions.”

The December 2012 FTC study found that 26% of surveyed consumers reported a material error in one or more of their three credit reports. Half of the survey participants had their credit score revised after filing the dispute with the applicable credit bureau.

The testimony cited enforcement of the Fair Credit Reporting Act (FCRA) as a high priority for the FTC. Over the last ten years, the FTC has brought over 30 actions under the FCRA.

The testimony highlights the importance of reviewing your credit report to check for potential errors in your credit history.

Many consumers are pleased with the credit report and score report provided by Equifax, which includes all three credit scores issued by Experian, TransUnion and Equifax.

Here is a link to their site:

“Get Equifax 3 Bureau Credit Report and Scores Now!” FTC testifies before Congress on Credit Report Errors


Here are more pages that might be of interest to you:

About Your Credit Score
Your Credit Report and Score

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Your Credit Score

money32 Your Credit ScoreYour Credit Score – Understanding your credit score is the key to ensuring your financial health. Maintaining a good credit score — that is, personal credit scores of 720 or better — will give you access to the best financial products and borrowing rates.

Credit Report Scores range from 349 to 849. Banks and other lenders use the credit report and score to indicate how likely you are to pay your bills on time. Generally, those with higher a credit score are considered to be a better credit risk.

You can check your credit score free at a number of online sites. You will want to be sure that you are getting a Triple Credit Score, or 3 in 1 Credit Score. Only the three bureau credit score or Triple Credit Report provides you with an online breakdown of your credit rating as issued by Experian, Equifax and TransUnion — the three national credit bureaus. Credit reports issued by only one of the three credit score companies may omit important information contained in the information issued by the other two agencies, which may negatively impact your ability to get a loan. So, when you check your credit score, make sure you are checking your Triple Credit Score.

news Your Credit Score

Updated : Sun, 26 Oct 2014 05:02:39 GMT

Will Charging Your Holiday Shopping Hurt Your Credit Score? – Nasdaq

 Your Credit Score
Nasdaq
 Your Credit Score
Will Charging Your Holiday Shopping Hurt Your Credit Score?
Nasdaq
If you are like millions of other Americans and plan on charging some of your holiday purchases, you may ask yourself: How much credit card debt is OK to have, and how much will hurt my credit score? Unfortunately, this is a more complicated question
Credit card strategies to help you buy a homeUSA TODAY
How Fast Can You Get Out of Debt?ABC News
7 Reasons Your Debt Repayment Plan Isn't WorkingCredit.com News (blog)

all 13 news articles »

Publ.Date : Sat, 25 Oct 2014 21:25:56 GMT

Renting a car with a debit card could damage your credit score – Waterbury Republican American

 Your Credit Score
Renting a car with a debit card could damage your credit score
Waterbury Republican American
"By far, the most common thing I see hurting credit scores is unpaid cellular telephone bills," said Robert Rasmussen, chief operating officer of Balboa Capital Corp., an Irvine, Calif., firm that specializes in lending to small firms. He said much of

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Publ.Date : Sun, 26 Oct 2014 03:04:22 GMT

Ways to improve your credit score – Hattiesburg American

 Your Credit Score
Hattiesburg American
 Your Credit Score
Ways to improve your credit score
Hattiesburg American
Review your FICO score (the most commonly used credit score). The range is 300 to 850; the best interest rates are typically offered to people with scores above 720. 3. Pay your bills on time ? even if it's just the minimum amount due. Your payment

Publ.Date : Sat, 25 Oct 2014 08:26:19 GMT

The Money Mistake That 48% of Renters Make – TIME

 Your Credit Score
The Money Mistake That 48% of Renters Make
TIME
Even if your landlord or service firm is one of the few that does report, the payments may not be included in the most common credit score lenders use, called the FICO score. So if you were counting on your on-time monthly rent checks to help you build

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Publ.Date : Wed, 22 Oct 2014 16:05:38 GMT

10 easy ways to boost your credit score – Detroit Free Press

 Your Credit Score
kjrh.com
 Your Credit Score
10 easy ways to boost your credit score
Detroit Free Press
Credit scores influence nearly all things financial in your life. Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here's some advice
How Often Does Your Credit Score Change?Huffington Post
Build Your Credit ScoreInvestopedia
7 costly credit score mythskjrh.com
Elko Daily Free Press
all 354 news articles »

Publ.Date : Sat, 18 Oct 2014 12:20:44 GMT

4 Hobbies That Could Wreck Your Credit Score – U.S. News & World Report (blog)

 Your Credit Score
TIME
 Your Credit Score
4 Hobbies That Could Wreck Your Credit Score
U.S. News & World Report (blog)
But if you're not careful, there's a chance your favorite diversion could hurt your credit score. Below are four popular pastimes that could put your score in jeopardy if you make the wrong moves. Use these tips to keep your credit on the straight and
How Can I Get Medical Bills In Collections Off My Credit Report?Forbes
Getting Started: Common mistakes that could hurt a credit scoreValdosta Daily Times
Here's How Long It Will Take to Get a MortgageTIME

all 5 news articles »

Publ.Date : Mon, 20 Oct 2014 13:00:57 GMT

How credit cards impact your credit score – Nasdaq

 Your Credit Score
How credit cards impact your credit score
Nasdaq
Whenever you apply for credit, card issuers run a credit check. The higher your credit score, the more likely you are to pay your bills and the lower the interest rate will be on your new card. A large number of credit inquiries in a short period can

Publ.Date : Thu, 23 Oct 2014 13:07:25 GMT

How to Improve a Poor Credit Score – Huffington Post

 Your Credit Score
How to Improve a Poor Credit Score
Huffington Post
Paying your bills on time and thus avoiding any derogatory credit reporting entries is a great way to build or improve your credit scores. But, that only goes so far. In the FICO scoring system, paying your bills on time accounts for 35 percent of the
Common mistakes can hurt credit scoreGoErie.com

all 6 news articles »

Publ.Date : Wed, 22 Oct 2014 13:04:55 GMT

Here is more of the latest credit score news from around the net. Come back daily for the latest personal finance news.

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Updated :

Will Charging Your Holiday Shopping Hurt Your Credit Score?
If you are like millions of other Americans and plan on charging some of your holiday purchases, you may ask yourself: How much credit card debt is OK to have, and how much will hurt my credit score? Unfortunately, this is a more complicated question than …
Publ.Date : Sat, 25 Oct 2014 16:41:00 GMT

A Simple Timeline for Buying a Home
(A smart preliminary step ? before you even consider a price range or neighborhood ? is to check your credit score, because that will affect whether you can get a mortgage and the interest rate you will pay. You can see your score for free on Credit …
Publ.Date : Sat, 25 Oct 2014 21:05:00 GMT

4 Hobbies That Could Wreck Your Credit Score
Avid readers, beware. Overdue library books could put your credit at risk. Libraries may turn over unpaid fines to collections, which would show up as a derogatory mark on your credit report. In our busy and hectic world, finding a way to relax is essential.
Publ.Date : Tue, 21 Oct 2014 22:35:00 GMT

5 Reasons Your Credit Score Is More Important Than Your GPA
You can trust that we maintain strict editorial integrity in our writing and assessments; however, we may receive compensation when you click on links to products from our partners. Here’s how we make money. If you?re a college student, you?re probably …
Publ.Date : Fri, 24 Oct 2014 22:26:00 GMT

10Best: Ways to improve your credit score
Credit scores influence nearly all things financial in your life. Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here’s some advice for …
Publ.Date : Sat, 18 Oct 2014 11:23:00 GMT

Your money Common mistakes that could hurt a credit score
Here’s a rundown of some common mistakes. Unpaid parking tickets A parking ticket alone won’t hurt your credit score. If the fine goes unpaid, however, and is eventually sent to a collection agency, the effect on your score can be detrimental. “Something …
Publ.Date : Sat, 25 Oct 2014 22:02:00 GMT

How your credit score determines your loan APR
The importance of a good credit score can?t be understated when applying for any type of loan ? that much is certain, particularly when it comes time to buy a car. ?The credit score essentially paints a financial picture of a person, and helps …
Publ.Date : Sat, 18 Oct 2014 13:16:00 GMT

How credit cards impact your credit score
When it comes to achieving a high credit score, credit cards can be a double-edged sword. Depending upon how you use them, you can increase your score dramatically or suffer a precipitous drop. Credit cards typically weigh more heavily on credit scores …
Publ.Date : Thu, 23 Oct 2014 05:25:00 GMT

Triple Credit Score
Credit Score Range

The first step to ensure your financial health is to check Your Credit Score.

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Three Credit Scores

money21 Three Credit ScoresExperts recommend that you review your Three Credit Scores to get the most accurate view of your credit profile. By viewing your 3 Bureau Credit Score or 3 Credit Report Score, you will get all three credit scores from all 3 Credit Reporting Agencies. When you apply for a mortgage, refinancing, credit card or auto loan, the bank, charge card issuer of other lender will order your credit score from one of the three credit bureaus – Experian, Equifax and TransUnion. Each credit bureau uses its own credit scoring algorithm to calculate your credit scoring. It is important to review your Three Credit Scores from all 3 credit reporting agencies to get the most accurate view of your credit score.

Here is the latest Triple Credit Score news from around the Web. Come back daily for the latest credit score news.

news Three Credit Scores

Updated : Sun, 26 Oct 2014 05:02:41 GMT

3 Credit Score Myths that Could be Costing You – TIME

 Three Credit Scores
TIME
 Three Credit Scores
3 Credit Score Myths that Could be Costing You
TIME
There's a lot of misinformation out there. And FICO, the company responsible for the most often used scoring model, only reveals limited information about how the sausage is made?which doesn't help matters. Plus, since everyone's credit profile is
Michelle Singletary: Simple ways to improve your creditBuffalo News

all 3 news articles »

Publ.Date : Mon, 29 Sep 2014 10:10:28 GMT

How Often Does Your Credit Score Change? – Huffington Post

 Three Credit Scores
Wall Street Journal (blog)
 Three Credit Scores
How Often Does Your Credit Score Change?
Huffington Post
by John Ulzheimer, Credit Expert for CreditSesame.com. A reader writes in looking for a clear answer on how often his credit score changes and how often he should check this all important three-digit number. John Ulzheimer, credit expert for Credit
Millions of Consumers to Gain Access to Credit ScoresWall Street Journal (blog)
10Best: Ways to improve your credit scoreWCNC

all 354 news articles »

Publ.Date : Fri, 17 Oct 2014 17:04:51 GMT

Hinckley woman says FICO credit score on Discover statement is wrong by 150 … – The Plain Dealer – cleveland.com

 Three Credit Scores
Motley Fool
 Three Credit Scores
Hinckley woman says FICO credit score on Discover statement is wrong by 150
The Plain Dealer – cleveland.com
It's important that everyone remember that the three credit bureaus — Equifax, Experian and TransUnion — all have different information in their files. Therefore, credit scores aren't going to be the same at all three. It's not unusual to see a
What Is a Good Credit Score?Motley Fool
Improving your credit score should be the first thing on your to-do listLodi News-Sentinel
Protect your financial data: Monitor your credit reportMarshfield News-Herald

all 10 news articles »

Publ.Date : Fri, 03 Oct 2014 17:46:51 GMT

Can You Buy a Good Credit Score? – Credit.com News (blog)

 Three Credit Scores
Credit.com News (blog)
 Three Credit Scores
Can You Buy a Good Credit Score?
Credit.com News (blog)
For the most part, bad credit is not something that, if you throw enough money at it, it will go away. In that sense, credit reporting is truly egalitarian. It doesn't matter how much you make: If you mess up, you'll pay the price. There are three

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Publ.Date : Wed, 01 Oct 2014 04:02:20 GMT

Watch out for these credit score scams – WTOP

 Three Credit Scores
Watch out for these credit score scams
WTOP
Shortly after signing up to get my free credit score at one of the popular websites that offers the service, I received an email alerting me that my score had recently changed and that I should log into the site provided to check on it. Since I had

Publ.Date : Fri, 10 Oct 2014 15:36:29 GMT

A High Credit Score Doesn\’t Make You Financially Savvy – Huffington Post Canada

 Three Credit Scores
A High Credit Score Doesn't Make You Financially Savvy
Huffington Post Canada
Here's another bad strategy that will increase your credit score: have multiple sources of credit. All else being equal, someone with a mortgage, car loan, line of credit and three credit cards will have a better credit score than someone with only one

Publ.Date : Thu, 23 Oct 2014 17:00:57 GMT

Rollout is slow for FICO\’s new credit scoring model – Chicago Tribune

 Three Credit Scores
Rollout is slow for FICO's new credit scoring model
Chicago Tribune
… has a limited credit history, known in the business as a thin file, to repay a prospective debt. Earlier this month, the new FICO score was made available to lenders by Equifax, which along with TransUnion and Experian makes up the big three credit

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Publ.Date : Tue, 14 Oct 2014 15:47:04 GMT

Citibank to start offering free credit scores to credit card customers; Chase … – The Plain Dealer – cleveland.com

 Three Credit Scores
Citibank to start offering free credit scores to credit card customers; Chase
The Plain Dealer – cleveland.com
Credit scores can vary among the three bureaus because each bureau could have slightly different information, but the three generally should be within 20 to 40 points of each other. A person's score can also change slightly from month to month even

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Publ.Date : Tue, 21 Oct 2014 16:22:15 GMT

Here is more of the latest credit report and personal finance news:

rsslogo Three Credit Scores

Updated :

How Many Credit Scores Do You Need to Get a Mortgage?
You actually can still get a mortgage if you don’t have all three credit scores. Here’s how, and what to be prepared for. Rating From Each Bureau Lenders look to a homebuyer’s credit for the likelihood of a delinquency. The higher the credit score …
Publ.Date : Mon, 10 Feb 2014 00:00:00 GMT

How your credit score determines your loan APR
Equifax and Experian), you actually have three credit scores, each of which might differ. Say you get 780, 707 and 804 ? don?t panic! There will always be minor discrepancies in every score (due to the bureaus? own individual reporting criteria and …
Publ.Date : Sat, 18 Oct 2014 13:16:00 GMT

Do You Need 3 Credit Scores to Get a Mortgage?
You actually can still get a mortgage if you don?t have all three credit scores. Here?s how, and what to be prepared for. Lenders look to a homebuyer?s credit for the likelihood of a delinquency. The higher the credit score, the less likelihood of …
Publ.Date : Tue, 28 Jan 2014 16:00:00 GMT

Credit score vs. credit report: What\’s the diff?
Free reports are available at AnnualCreditReport.com. Credit score: Mortgage lenders are required to show consumers the three credit scores that are pulled for the loan application. Other types of lenders also must disclose a credit score that was used to …
Publ.Date : Mon, 13 Oct 2014 11:00:00 GMT

3 credit score questions you never thought to ask
The answers might surprise you. 1. What are my three credit scores? When we hear chatter about credit scores on the news or from our friends, usually the talk is about a single, monolithic number. For instance, “My credit score is 700″ or, “It’s important …
Publ.Date : Sat, 05 Jul 2014 06:28:00 GMT

How Your Credit Score Can Save (or Cost) You Tons Of Money
Using our three credit scores of 760, 690, and 620 … Many apartment communities will not rent to anyone with a credit score below the mid-600s, and those that will rent to low-credit tenants may ask for a hefty additional security deposit.
Publ.Date : Sun, 09 Feb 2014 12:25:00 GMT

Clarity Services, Inc. Gives Lenders Three Credit Scores With Clear Bureau Lite
CLEARWATER, Fla., March 5, 2013 /PRNewswire/ — Clarity Services, Inc., the leading real-time credit bureau providing fraud detection and credit risk management solutions for Middle America announces its newest product, Clear Bureau Lite.Clear Bureau Lite …
Publ.Date : Mon, 04 Mar 2013 16:00:00 GMT

How To Overcome The Most Common Barriers To Homeownership
(You?ll actually have three credit scores ? one with each bureau. Lenders generally look at the median score.) Most lenders consider a credit score above 740 to be healthy, while anything below 600 is considered poor. If you don?t know your credit …
Publ.Date : Fri, 06 Jun 2014 08:00:00 GMT

rsslogo Three Credit Scores

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4 Nerdy Facts About Business Credit
You should also check out our previous three articles: Why Business Credit Scores Matter for Your Business, How to Boost your Business Credit Scores and 5 Things Every Business Owner Should Know About Business Credit. From the previous articles …
Publ.Date : Wed, 15 Oct 2014 09:59:00 GMT

Citibank to start offering free credit scores to credit card customers; Chase and Bank of America considering the same
CLEVELAND, Ohio — Citibank in January will become the second major credit card issuer to provide FICO credit scores to customers every month. The move, coming more than a year after Discover became the first major issuer to include credit scores with …
Publ.Date : Tue, 21 Oct 2014 20:34:00 GMT

Viewpoint: Will FICO Score Changes Sink Real Estate Market?
There are three events that used to hurt people’s scores that no … Remember, these people had bad credit scores because they posed higher risks to lenders. The chances are high that their default rate will be the same as it ever was.
Publ.Date : Mon, 13 Oct 2014 06:33:00 GMT

Springleaf Financial Joins with Experian to Offer Customers Free VantageScore Credit Scores
patented and patent-pending tri-bureau scoring methodology that provides lenders and consumers with more consistent credit scores across all three national credit reporting companies. Experian and the Experian marks used herein are trademarks or registered …
Publ.Date : Wed, 15 Oct 2014 22:56:00 GMT

How many FICO credit scores do you have?
FICO: It’s the most common credit score in existence that’s used by lenders. But did you know you have more than one? That’s right. The world’s most popular credit score comes in more flavors than Baskin-Robbins offers in ice cream. There are older …
Publ.Date : Tue, 07 Oct 2014 11:00:00 GMT

How your credit score determines your loan APR
But that picture is frequently painted in such broad strokes that it?s easy to become confused about credit scores and interest rates. We often tend to hear statements like ?700 or higher? is an excellent credit score, but what interest percentage …
Publ.Date : Sat, 18 Oct 2014 13:16:00 GMT

Free Access To Your Mortgage Credit Scores, Plus 5 Ways To Improve To Your FICO
Good credit scores give access to more than just today’s lowest mortgage rates– they give access to today’s best loan programs, too. You need a decent credit score to get approved for the low-downpayment FHA mortgage, and for the No Money Down USDA loan …
Publ.Date : Mon, 13 Oct 2014 08:29:00 GMT

Millions of Consumers to Gain Access to Credit Scores
Millions of consumers are about to gain access to their credit scores. Citigroup, the fourth-largest credit-card lender by purchase volume in the U.S., is partnering with Fair Isaac Co., the provider of the credit score most widely used by lenders, to …
Publ.Date : Thu, 16 Oct 2014 22:00:00 GMT

Triple Credit Score

To ensure that you are getting the most accurate picture of your financial health, make sure that when you order your online credit report, you are receiving all Three Credit Scores

Many consumers are pleased with the Free Triple Credit Score provided by CreditScore360, which includes all three credit scores issued by Experian, TransUnion and Equifax. Here is a link to their site:

Get your Free Credit Scores from all 3 Bureaus Three Credit Scores

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Three Credit Bureaus

Three Credit Bureaus

money5 150x150 Three Credit BureausExperian, Equifax and TransUnion are the three major credit bureaus that issue your credit scores. Your credit scores are used by lenders to determine your credit rating (in other words, how you are as a credit risk). Consumers with higher credit scores will generally receive better interest rates, resulting in reduced borrowing costs. A poor credit score will increase the likelihood that the consumer will be rejected for a loan, or have to pay more to borrow money.

Each of the three credit bureaus uses its own algorithm to determine your credit score. Unfortunately, the information reflected in the credit score issued by one credit bureau may not be reflected in the credit score issued by another. The background data and information used by one credit reporting agency in compiling your credit history may be different from the information used by the other bureaus. For example, your Experian and TransUnion reports may show a credit card balance as paid in full, while the Equifax report may reflect the same credit card balance as still outstanding. Accordingly, in this example, your Equifax score would be lower than the scores issued by each of TransUnion and Experian.

So, it is important that when you order your credit report, you make sure you are getting the credit report scores issued by all three credit reporting bureaus. You should look at your 3 credit scores and reports (or 3-in-1 credit report) side by side to get your most complete and accurate credit score profile.

Check your triple credit score and report for inconsistencies, inaccuracies and other issues in your credit history as recorded by each credit bureau, and be sure to fix credit report problems before you are turned down for a mortgage or refinancing, car loan or credit card.

news Three Credit Bureaus

Updated : Sun, 26 Oct 2014 04:35:49 GMT

Check your free credit report three times per year – Agri-View

 Three Credit Bureaus
Check your free credit report three times per year
Agri-View
Federal law gives everyone the right to a free credit report from each of the three major credit bureaus every 12 months. The UW-Extension makes it easy for consumers to review their reports through its ?Check Your Free Credit Report: 2/2, 6/6, 10/10? …

Publ.Date : Wed, 08 Oct 2014 13:36:46 GMT

Victims\’ credit lines maxed out in scam – WJXT Jacksonville

 Three Credit Bureaus
WJXT Jacksonville
 Three Credit Bureaus
Victims' credit lines maxed out in scam
WJXT Jacksonville
Everyone is entitled to one free check every year with each of the three credit reporting agencies. The Better Business Bureau of Northeast Florida recommends the website AnnualCreditReport.com. It has step-by-step instructions and links to all three

Publ.Date : Sat, 25 Oct 2014 11:05:19 GMT

The Money Mistake That 48% of Renters Make – TIME

 Three Credit Bureaus
The Money Mistake That 48% of Renters Make
TIME
Yet it turns out that many renters are misinformed about what goes into that somewhat mysterious three-digit number: Nearly half of renters ages 18 to 64 think rental payments to their landlords are automatically reported to the credit bureaus
Survey: Only Half of US Consumers Realize Rental Payments Can Be Regularly Consumer Electronics Net

all 3 news articles »

Publ.Date : Wed, 22 Oct 2014 16:05:38 GMT

Think Credit Reports Announces Tremendous Surge in Website Traffic with Over … – PR Newswire (press release)

 Three Credit Bureaus
Think Credit Reports Announces Tremendous Surge in Website Traffic with Over
PR Newswire (press release)
VALENCIA, Calif., Oct. 14, 2014 /PRNewswire/ — Word is spreading fast that ThinkCreditReports.com is the web's most convenient resource for 3 bureau credit products. According to analytics from Compete.com, the site saw more than 2.1 million unique …

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Publ.Date : Tue, 14 Oct 2014 12:46:04 GMT

Columbus-area residents come up low on credit score, high on debt – Columbus Ledger-Enquirer

 Three Credit Bureaus
Columbus-area residents come up low on credit score, high on debt
Columbus Ledger-Enquirer
It is sponsored by the three major credit bureaus ? Equifax, Experian and TransUnion. Among U.S. adults, 60 percent of have not checked their credit score and 65 percent their credit report within the past year, according to the 2014 Consumer

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Publ.Date : Fri, 24 Oct 2014 21:01:56 GMT

Ways to improve your credit score – Hattiesburg American

 Three Credit Bureaus
Hattiesburg American
 Three Credit Bureaus
Ways to improve your credit score
Hattiesburg American
You can get a free report once every 12 months from each of the three major credit bureaus ? Equifax, Experian and TransUnion ? by visiting AnnualCreditReport.com. 2. Review your FICO score (the most commonly used credit score). The range is 300 to …

Publ.Date : Sat, 25 Oct 2014 08:26:19 GMT

Data Security Event Occurred at Cape May-Lewes Ferry – Cape May County Herald (press release)

 Three Credit Bureaus
Press of Atlantic City
 Three Credit Bureaus
Data Security Event Occurred at Cape May-Lewes Ferry
Cape May County Herald (press release)
Under U.S. law, individuals are entitled to one free credit report annually from each of the three major credit bureaus. To obtain a free credit report, visit www.annualcreditreport.com or call, toll-free, (877) 322-8228. At no charge, Cape May-Lewes
Notice of Data Security EventPR Newswire (press release)

all 9 news articles »

Publ.Date : Sat, 25 Oct 2014 15:16:30 GMT

Can\’t cut debt? You can still improve credit – USA TODAY

 Three Credit Bureaus
USA TODAY
 Three Credit Bureaus
Can't cut debt? You can still improve credit
USA TODAY
According to a 2013 study by the Federal Trade Commission, 20% of consumers had a mistake on at least one of their three credit reports. Since your credit reports are used to produce your credit scores, correcting these errors is essential. Otherwise

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Publ.Date : Sun, 12 Oct 2014 10:52:29 GMT

Here is more of the latest news on the three credit bureaus and checking your triple bureau credit report:

rsslogo Three Credit Bureaus

Updated :

Commissioners to discuss the county\’s credit rating, the sale of bonds at this week\’s meeting
The commissioners will be updated about the county’s credit rating from three credit bureaus; they will vote to award the sale of more than $74 million of bonds to the highest bidder; and they will discuss, and possibly adopt, the mass transportation …
Publ.Date : Sat, 25 Oct 2014 20:12:00 GMT

2 Ways to Prevent Military Identity Theft
You can remove this at any time. The security freeze, once in place, is indefinite unless you decide to remove it. It requires contacting three credit bureaus and is free online to North Carolina residents.
Publ.Date : Fri, 24 Oct 2014 07:19:00 GMT

Do you need ID theft insurance or credit monitoring?
Some provide one or more free (or low-cost) credit scores. Keep in mind when considering whether to buy credit monitoring: Many creditors report information to all three credit bureaus, but some only report to one, so your three credit reports may contain …
Publ.Date : Mon, 20 Oct 2014 07:57:00 GMT

My credit isn\’t perfect. What can I do to increase my chances of qualifying for a mortgage?
The first thing you must do is get a free copy of your credit report from one of the ?big three? credit bureaus to see what your credit report looks like. Look it over and see if there is anything that should not be there (fraud, identity theft …
Publ.Date : Thu, 23 Oct 2014 07:01:00 GMT

How to Beat Online Price Discrimination
If you institute a security freeze at each of the three credit bureaus, nobody will be able to access your credit report, so identity thieves won?t be able to open any new accounts in your name ? period. There are some downsides to this option.
Publ.Date : Fri, 24 Oct 2014 19:54:00 GMT

Common Cents with BBB: Protect Yourself From Cyber Crimes
Don?t give in to curiosity. Close or delete the message. Report it. If your identity has been stolen or compromised, contact one of the three credit bureaus to report the crime (Equifax at 1-800-525-6285, Experian at 1-888-397-3742, or TransUnion at …
Publ.Date : Mon, 20 Oct 2014 09:53:00 GMT

Think Credit Reports Announces Tremendous Surge in Website Traffic with Over Two Million Unique Visitors in September
Once visitors arrive at ThinkCreditReports.com, they find that the company offers a comprehensive package of products, reports and monitoring solutions from all three credit bureaus ? Experian, Equifax and TransUnion. For only $1, consumers can purchase …
Publ.Date : Tue, 14 Oct 2014 13:45:00 GMT

Car Loans for Bad Credit: Don\’t Get Ripped Off
The FICO score is used in the vast majority of lending decisions, and the only place you can buy your own FICO score from all three credit bureaus is at myFICO.com. Don’t fall for those “free credit score” sites. Different credit scores mean different …
Publ.Date : Sat, 18 Oct 2014 09:00:00 GMT

When you order your credit score, please make sure you are getting your credit scores issued by all Three Credit Bureaus.

Many consumers are pleased with the Free Triple Credit Score provided by CreditScore360, which includes all three credit scores issued by Experian, TransUnion and Equifax. Here is a link to their site:

Get your Free Credit Scores from all 3 Bureaus Three Credit Bureaus

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Triple Credit Score

money18 Triple Credit Score

Triple Credit Score


A Triple Credit Score is the essential part of a three-in-one credit report or 3-in-1 credit report that provides your credit scores from each of the three credit bureaus – Equifax, Experian and TransUnion.

Why is it important that you check all 3 credit scores and all 3 credit reports from all three credit score companies?  A typical credit report displays your credit information from only one credit reporting agency.

Unfortunately, when you apply for a car loan, look to refinance a mortgage or sign up for a new credit card, lenders may review any one or even all 3 credit bureau reports. For example, the information contained in your credit report score issued by TransUnion may not be reflected in the credit scoring issued by the other agencies.  This may cost you thousands of dollars in loan payments and fees.

So, it it essential that you review your credit scores contained in all three credit reports. The Triple Credit Score allows you to compare, side-by-side, your credit information contained in the credit report and score issued by each credit report bureau, so you can identify and dispute possible errors and inaccuracies, track late payments or judgments, see who has accessed your credit history, and gain an understanding of what factors affect your credit score.  You can also spot early signs of identity theft.  When you order a credit report and score, make sure that you are getting a Triple Credit Score.

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