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 : Tue, 21 Oct 2014 18:17:12 GMT

4 Hobbies That Could Downgrade Your Credit Score – DailyFinance

 Your Credit Score
DailyFinance
 Your Credit Score
4 Hobbies That Could Downgrade Your Credit Score
DailyFinance
Since payment history makes up 35 percent of your FICO credit score (the score most widely used in the United States), failing to pay your bills on time could cause it to drop substantially. To avoid this fate, it's wise to set up email or text

Publ.Date : Tue, 21 Oct 2014 10:06:40 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
7 costly credit score mythskjrh.com
Wells Fargo offers free credit scores to customers until Nov. 16Elko Daily Free Press

all 354 news articles »

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

7 Credit Card Strategies to Help Your Credit – Huffington Post

 Your Credit Score
Motley Fool
 Your Credit Score
7 Credit Card Strategies to Help Your Credit
Huffington Post
Using a credit card is one of the easiest ways to build your credit score, assuming you use it responsibly. The revolving-credit trade line will help you establish a pattern of payment behavior and credit use, which have the most influence on your
The Best Credit Cards for Your Holiday ShoppingMotley Fool
Help! My high balance is hurting my credit scorePacific Daily News
The Right Way to Remove Someone From Your Credit CardCredit.com News (blog)
MetroNews Canada -Eagle-Tribune
all 21 news articles »

Publ.Date : Mon, 20 Oct 2014 22:14:49 GMT

Ways to boost your credit score – Columbus Dispatch (blog)

 Your Credit Score
Ways to boost your credit score
Columbus Dispatch (blog)
Few things are more important financially that knowing your credit score. That number helps determine whether you can get a credit card, an auto loan, a mortgage or insurance coverage and what kind of interest rate you'll pay. The American Bankers …
How to improve your credit scoremoneyfacts.co.uk

all 2 news articles »

Publ.Date : Mon, 20 Oct 2014 14:33:12 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
Getting Started: Common mistakes that could hurt a credit scoreValdosta Daily Times
How Can I Get Medical Bills In Collections Off My Credit Report?Forbes
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

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

 Your Credit Score
Citibank to start offering free credit scores to credit card customers; Chase
The Plain Dealer – cleveland.com
"Knowing your credit score is great if you have some context to that information," she said. "If getting the score on your statement prompts you to find out what makes up that score and what you can to do maintain or improve your score, then that's

and more »

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

Build Your Credit Score – Investopedia

 Your Credit Score
Build Your Credit Score
Investopedia
Getting your first credit card can be a challenge. Few banks will offer a credit card to someone without a credit history, so how do you build that history? You're not facing this problem alone. About 50 million Americans don't have a credit history

Publ.Date : Thu, 16 Oct 2014 21:43:13 GMT

Watch out, these companies may only hurt your credit score – MarketWatch

 Your Credit Score
Watch out, these companies may only hurt your credit score
MarketWatch
This matters to consumers because the most important factor in determining your credit score is payment history (this makes up 35% of your total credit score), so a long series of on-time payments will help boost or maintain your score, says Nick
Nine Ways to Improve Your Credit ScoreInsurance News Net

all 2 news articles »

Publ.Date : Thu, 16 Oct 2014 13:57:51 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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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

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 : Mon, 20 Oct 2014 06:10:00 GMT

3 Hobbies That Can Hurt Your Credit Score
BANGALORE: Everyone needs to relax in this busy and hectic world, thus finding a way to relax is essential. Picking a hobby you enjoy and engaging in it regularly is a great way to wind down from a tough week. But if you are not careful, there is a chance …
Publ.Date : Tue, 21 Oct 2014 05:42:00 GMT

7 Credit Card Strategies to Help Your Credit
Using a credit card is one of the easiest ways to build your credit score, assuming you use it responsibly. The revolving-credit trade line will help you establish a pattern of payment behavior and credit use, which have the most influence on your credit …
Publ.Date : Mon, 20 Oct 2014 15:15:00 GMT

How To Make Your Credit Score ?Jump Like Jordan? [VIDEO]
If you?re one of the lucky ones who have paid off all of their credit card bills, congratulations! However, that doesn?t mean that you?re done with managing your credit ? not by a long shot. There?s plenty you can still do to raise your credit …
Publ.Date : Mon, 20 Oct 2014 06:52:00 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

Watch out, these companies may only hurt your credit score
The only thing many cable, utility and cellphone companies do for your credit score is hurt it. A recent survey of more than 1,000 adults by TransUnion found ?widespread confusion about which payments are included in a consumer?s credit history,? as …
Publ.Date : Thu, 16 Oct 2014 04:02:00 GMT

How to improve your credit score
Are you thinking about applying for credit? If so, you need to make sure your credit score is in order. Lenders will rate your credit profile to see if you’re a suitable candidate before you’ll be accepted for that loan, credit card or mortgage, and having …
Publ.Date : Tue, 21 Oct 2014 04:25:00 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 : Tue, 21 Oct 2014 18:17:14 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

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

and more »

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

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

all 10 news articles »

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

11 Simple Ways You Can Boost Your Credit Score – DailyFinance

 Three Credit Scores
DailyFinance
 Three Credit Scores
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
The three major credit rating agencies — Experian (EXPN), TransUnion and Equifax — collect information on all of us, looking at how we spend our money, pay our debts and mess up. They use that boatload of data to create your FICO score, which in turn
BBB: Consumers aren't helpless with credit scoresTopeka Capital Journal
America's Obsession With Credit ScoresNational Mortgage Professional Magazine

all 10 news articles »

Publ.Date : Wed, 24 Sep 2014 13:47:24 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

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

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 : Mon, 06 Oct 2014 15:11:15 GMT

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

rsslogo Three Credit Scores

Updated :

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

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

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

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

Think you have three credit scores? You may have 50 or more
You probably know you have a credit score, and that score dictates much of your financial future. You might know you have three credit scores, thanks to aggressive advertising from companies that sell access to them. However, those hardly scratch the …
Publ.Date : Tue, 19 Mar 2013 01:30:00 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

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 …
Publ.Date : Tue, 05 Mar 2013 03:42:00 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

rsslogo Three Credit Scores

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Citibank to start offering free credit scores to credit card customers; Chase and Bank of America considering the same
Citi is using FICO scores based on Equifax reports. 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 …
Publ.Date : Tue, 21 Oct 2014 09:27:00 GMT

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

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

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

How many FICO credit scores do you have?
“It’s probably the No. 1 or No. 2 misunderstanding about credit scores that there (isn’t) more than one FICO score,” says Kenneth Lin, CEO of consumer finance and technology company Credit Karma. “A consumer literally has three to four dozen FICO credit …
Publ.Date : Tue, 07 Oct 2014 03:08:00 GMT

Wells Fargo Free Access to Credit Scores and Reports: Customers Have Until Nov. 16
If you?ve been dragging your feet about checking your credit and you happen to have an account with Wells Fargo, you?re in luck: For the third year in a row, the bank is providing free credit scores and … and VantageScore 3.0 credit score through …
Publ.Date : Thu, 16 Oct 2014 22:27:00 GMT

FICO update expected to improve credit scores
Experts predict the result will improve credit scores for some groups of consumers. Patrick Stoy, President of Marketing Consulting Mortgage in Wilmington, said consumers will notice three major changes to the latest generation of FICO, known as FICO 9 …
Publ.Date : Tue, 07 Oct 2014 21:51:00 GMT

Three Bureaus, Three Scores: Why You Have Multiple Credit Scores
This post was contributed by our Financial Literacy Movement partner Lexington Law. According to FICO, the company that pioneered credit scoring, ?there will almost always be some minor differences in your scores across the three credit bureaus? If …
Publ.Date : Thu, 24 May 2012 08:46:00 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 : Tue, 21 Oct 2014 18:17:17 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

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

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

 Three Credit Bureaus
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

and more »

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

Do you need ID theft insurance or credit monitoring? – Minuteman News Center

 Three Credit Bureaus
Do you need ID theft insurance or credit monitoring?
Minuteman News Center
If you know ? or fear ? that an account has been compromised but don't want to fully block access to your credit reports through a credit freeze, you can place a free, 90-day initial fraud alert with the three credit bureaus. This means businesses must

Publ.Date : Thu, 16 Oct 2014 18:22:30 GMT

Security breaches increase doubt in internet safety – wwlp.com

 Three Credit Bureaus
wwlp.com
 Three Credit Bureaus
Security breaches increase doubt in internet safety
wwlp.com
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 1-800-680-7289. Request that the credit bureau place a fraud alert on your credit report to prevent any further

Publ.Date : Mon, 20 Oct 2014 21:02:41 GMT

Survey: Only Half of U.S. Consumers Realize Rental Payments Can Be … – SYS-CON Media (press release)

 Three Credit Bureaus
Survey: Only Half of U.S. Consumers Realize Rental Payments Can Be
SYS-CON Media (press release)
More than three-quarters (77 percent) of respondents say their credit scores would potentially benefit if rental payments were reported to credit bureaus, compared to reporting cable bill payments (68 percent), cell phone (67 percent), and utility (69

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Publ.Date : Tue, 21 Oct 2014 16:26:02 GMT

Social Lending Circles Help Subprime Consumers Build Credit – NerdWallet (blog)

 Three Credit Bureaus
NerdWallet (blog)
 Three Credit Bureaus
Social Lending Circles Help Subprime Consumers Build Credit
NerdWallet (blog)
Two years ago, Javiar Giron went bankrupt. The 46-year-old father of three had been doing fine since he came to the U.S. in 1985: He learned English on the street, bought a house and managed a carpet business. He began buying and selling, or ?flipping

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Publ.Date : Tue, 21 Oct 2014 15:57:26 GMT

Is Credit Karma valuation too high compared with rivals? – SFGate

 Three Credit Bureaus
SFGate
 Three Credit Bureaus
Is Credit Karma valuation too high compared with rivals?
SFGate
Federal law allows consumers to get a free copy of their credit report once a year from each of the three major credit bureaus ? Experian, Equifax and TransUnion ? at www.annualcreditreport.com. With banks and retailers getting hacked on a regular

Publ.Date : Sun, 12 Oct 2014 05:54:44 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 :

Lease-Purchase Option Provides Relief To Struggling Homeowners
They report the tenant-buyers? lease payments to all three credit bureaus, and these payments positively impact the credit scores. This is not a common practice, and it is one of the reasons that Cyndy Buys Houses? program is so successful. There is no …
Publ.Date : Tue, 21 Oct 2014 09:36:00 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

Cyber Security Safety
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 1-800-680-7289. Request that the credit bureau place a fraud alert on your credit report to prevent any further …
Publ.Date : Mon, 20 Oct 2014 13:27:00 GMT

My Credit Report Error Dispute Got Rejected. Help
It?s probably a good idea to let all three credit bureaus know of your dispute, not just the one you?ve been in contact with. Reporting agencies are required to make an investigation (usually within 30 days), unless they consider your dispute to be …
Publ.Date : Mon, 20 Oct 2014 11:54:00 GMT

Word to the Wise: Be aware ? protect your identity online
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 1-800-680-7289). Request the credit bureau place a fraud alert …
Publ.Date : Mon, 20 Oct 2014 21:10:00 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

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

The key to fighting identity theft is to act immediately
Next, the three credit bureaus ? Experian, Transunion and Equifax ? can block new activity and warn banks, insurance companies, lenders, and anyone who checks your credit that there is potential fraud. You can request the bureaus place a 90-day fraud …
Publ.Date : Fri, 17 Oct 2014 01:00:00 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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