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 : Fri, 28 Nov 2014 05:27:20 GMT

11 steps to improve your credit score – ConsumerReports.org

 Your Credit Score
11 steps to improve your credit score
ConsumerReports.org
Because of that variation?and because a lender might not use the same credit scores you obtain?be aware of the range of your scores, and follow their trend over time. John Ulzheimer, a credit expert at the website Credit Sesame and formerly of FICO

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Publ.Date : Wed, 26 Nov 2014 12:33:09 GMT

Your Credit Score Reveals Way More Than You Realize – TIME

 Your Credit Score
TIME
 Your Credit Score
Your Credit Score Reveals Way More Than You Realize
TIME
Never mind the blood pressure test: A new study finds that you can tell how healthy someone's heart is just by looking at their credit score. The study, published in Proceedings of the National Academy of Sciences, finds a correlation between high

Publ.Date : Wed, 26 Nov 2014 12:32:19 GMT

7 Ways to Boost Your Credit Score This Month – Nasdaq

 Your Credit Score
7 Ways to Boost Your Credit Score This Month
Nasdaq
Do your credit scores need a boost? These numbers can affect everything from the apartment you qualify for to how much interest you pay on debt. Therefore, the sooner you get your scores up, the sooner you can take advantage of the benefits. Contrary

and more »

Publ.Date : Mon, 24 Nov 2014 13:45:52 GMT

7 On Your Side: Who\’s checking out your credit score? – 6abc.com

 Your Credit Score
6abc.com
 Your Credit Score
7 On Your Side: Who's checking out your credit score?
6abc.com
So the big takeaway to upping your score is to make payments on time, and paying at least the minimum is critical. And spend less than 30 percent of your available credit, as credit utilization is a big factor in your score. And finally, check your

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Publ.Date : Wed, 19 Nov 2014 16:22:11 GMT

Which monthly bills affect your credit score? – USA TODAY

 Your Credit Score
USA TODAY
 Your Credit Score
Which monthly bills affect your credit score?
USA TODAY
Here's the truth about your credit score: There are more things that can hurt it than help it, and there's some confusion about how that works. A recent survey from TransUnion asked consumers about a few common bills and whether or not they're

Publ.Date : Sat, 01 Nov 2014 20:16:20 GMT

5 reasons your credit score is unexpectedly low – USA TODAY

 Your Credit Score
USA TODAY
 Your Credit Score
5 reasons your credit score is unexpectedly low
USA TODAY
The only thing worse than getting a nasty surprise is getting a nasty surprise about your finances. For instance, you check your credit score and discover it's much lower than you anticipated. You wonder, "What went wrong?" Here are 5 unexpected
Renting a car with a debit card can hurt your credit scoreBuffalo News
Do You Know About Your Credit Score?WTVM

all 5 news articles »

Publ.Date : Sun, 02 Nov 2014 09:50:01 GMT

Will Using Credit Karma Hurt Your Credit Score? – SavingAdvice.com

 Your Credit Score
SavingAdvice.com
 Your Credit Score
Will Using Credit Karma Hurt Your Credit Score?
SavingAdvice.com
This question usually arises because they hear somewhere that checking your credit score too many times can lower your credit score. While this is true, it fails to take into account the difference between a ?hard inquiry? and a ?soft inquiry? when
Which is the higher credit score? Credit Websites or Lenders?KFDA
Will Rate Shopping Online Hurt My Credit Score?NerdWallet (blog)

all 4 news articles »

Publ.Date : Fri, 21 Nov 2014 05:30:28 GMT

5 Things Not Included In Your Credit Score – Motley Fool

 Your Credit Score
Motley Fool
 Your Credit Score
5 Things Not Included In Your Credit Score
Motley Fool
Most people know the basic information that goes into your credit report and helps determine your credit score. For example, paying your bills on time, not maxing out your credit cards, and not applying for credit too frequently are all well-known ways
9 questions about credit scores you were too embarrassed to askVox
20 Things Every 20-Something Should Know About CreditHuffington Post
Credit report, credit score: Know how to get bothHometownlife.com
eCoronado.com (blog)
all 23 news articles »

Publ.Date : Fri, 21 Nov 2014 14:39:09 GMT

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

rsslogo Your Credit Score

Updated :

You\’ll never guess who\’s checking out your credit score
When it comes to your credit score, you might think only banks look at it when you apply for a loan. But it turns out that a lot of businesses are actually checking it out. So how can you protect yourself? Your credit score is basically your financial …
Publ.Date : Sun, 23 Nov 2014 15:21:00 GMT

7 Simple Ways You Can Quickly Repair Your Credit Score
Source: Flickr user B Rosen. It’s been more than five years since the Great Recession ended, but consumers could still have a long way to go before their credit scores are fully healed from the credit and housing meltdown. Let’s not forget that a dramatic …
Publ.Date : Sun, 16 Nov 2014 12:12:00 GMT

7 Ways to Boost Your Credit Score This Month
Do your credit scores need a boost? These numbers can impact everything from the apartment you qualify for to how much interest you pay on debt. Therefore, the sooner you get your scores up, the sooner you can take advantage of the benefits. Contrary to …
Publ.Date : Sun, 16 Nov 2014 00:00:00 GMT

Why Holiday Shopping Can Drop Your Credit Score Quickly
NEW YORK (MainStreet) ? Holiday shopping can wreak havoc on the credit scores of consumers, even the highly disciplined ones who budget for their purchases. During the next month, it is easy for consumers to go over their limit, spend over their credit …
Publ.Date : Fri, 21 Nov 2014 08:52:00 GMT

How Much Will Your Holiday Debt Really Cost You?
That?s just one example: You have to consider how your credit score factors into the true cost of your holiday spending. With a low credit score, your credit card interest rates may be higher ? retail or rewards cards definitely have higher rates …
Publ.Date : Wed, 26 Nov 2014 21:05:00 GMT

11 steps to improve your credit score
Credit-scoring models are like snowflakes: There are a lot of them, and no two are exactly alike. FICO alone sells 65 versions. Because of that variation?and because a lender might not use the same credit scores you obtain?be aware of the range of your …
Publ.Date : Wed, 26 Nov 2014 11:00:00 GMT

Your credit score reveals how physically and mentally healthy you are, study finds
Your credit score could reveal how healthy you are, a new study has found. Researchers studied 1,000 New Zealanders for 38 years – and found a strong relationship between low credit scores and poor cardiovascular health. They say many of the issues that …
Publ.Date : Tue, 18 Nov 2014 21:56:00 GMT

How to Manage Your Credit Score
Credit History is one of the 5 Vital Signs in mortgage underwriting. The first indicator of credit performance that a lender uses is something called Beacon Score. The terms Power Score, FICO Score and Credit Score are also used. These mysterious ?scores …
Publ.Date : Sun, 23 Nov 2014 13:02:00 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 : Fri, 28 Nov 2014 05:27:21 GMT

7 Ways to Boost Your Credit Score This Month – Nasdaq

 Three Credit Scores
7 Ways to Boost Your Credit Score This Month
Nasdaq
Get a copy of your free credit report from annualcreditreport.com and check your credit scores regularly. Under federal law you're entitled to one free copy from each of the three credit bureaus: Equifax, Experian, and TransUnion, which each have their

and more »

Publ.Date : Mon, 24 Nov 2014 13:45:52 GMT

Credit Score Companies Reach $22M Settlement for Illegal Billing – STLtoday.com

 Three Credit Scores
DailyFinance
 Three Credit Scores
Credit Score Companies Reach $22M Settlement for Illegal Billing
STLtoday.com
The Federal Trade Commission announced a settlement this week in which three credit score companies will pay consumers $22 million for billing them for credit monitoring products they never ordered. The companies drew customers to their sites by
Credit monitoring firm agrees to $22 million in refundsChicago Tribune
'Free' Credit Score Sites Duped Hundreds of ThousandsDailyFinance
FTC, Madigan ban 'free' credit score scamThe Rock River Times
Boston Globe
all 100 news articles »

Publ.Date : Fri, 21 Nov 2014 13:08:56 GMT

9 questions about credit scores you were too embarrassed to ask – Vox

 Three Credit Scores
Huffington Post
 Three Credit Scores
9 questions about credit scores you were too embarrassed to ask
Vox
A credit score is an attempt to boil down your entire credit history into one three-digit number. This is different from a credit report, which is essentially a rundown of your various accounts and loans and payment histories. Your credit score is an
20 Things Every 20-Something Should Know About CreditHuffington Post
Credit report, credit score: Know how to get bothHometownlife.com
How Paying a Creditor Can Hurt Your CrediteCoronado.com (blog)

all 23 news articles »

Publ.Date : Thu, 20 Nov 2014 17:48:36 GMT

Which is the higher credit score? Credit Websites or Lenders? – KFDA

 Three Credit Scores
KFDA
 Three Credit Scores
Which is the higher credit score? Credit Websites or Lenders?
KFDA
There are three major credit bureau's–Transunion, Equifax, and Experian. Theses credit bureaus will give you your FICO score which will range from 300-850. 35% of your FICO score is your payment history. 30% are amounts owned. Then the rest of your …

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Publ.Date : Fri, 21 Nov 2014 03:59:00 GMT

7 Simple Ways You Can Quickly Repair Your Credit Score – Motley Fool

 Three Credit Scores
Motley Fool
 Three Credit Scores
7 Simple Ways You Can Quickly Repair Your Credit Score
Motley Fool
According to Experian, one of the three major reporting credit bureaus in the U.S., the average VantageScore as of Nov. 2013 throughout the country was 681 (the VantageScore, which was developed by the three major credit bureaus, mirrors the FICO score …
Closing an old credit card without sinking your credit score: Plain DealingThe Plain Dealer – cleveland.com (blog)
Vail Daily column: You can manage your credit scoreVail Daily News
From Broke to Blessed: Getting Out of Credit Card DebtEssence.com
Bellingham Herald -Nasdaq
all 38 news articles »

Publ.Date : Sun, 16 Nov 2014 19:23:44 GMT

Top 10 things to know about your credit score – GoErie.com

 Three Credit Scores
NerdWallet (blog)
 Three Credit Scores
Top 10 things to know about your credit score
GoErie.com
Your credit score is calculated off the information on your credit report. Your report shows your history of using credit, including every open and closed account you have, your payment history, credit limits and balance owed. Your credit score, also
Credit scores can measure how healthy a person is, tooWashington Post
Which Credit Cards Give Free FICO Scores?NerdWallet (blog)
Does it Matter Credit Karma, Credit Sesame and Quizzle Don't Give a FICO Score?SavingAdvice.com

all 10 news articles »

Publ.Date : Tue, 18 Nov 2014 05:03:16 GMT

5 reasons your credit score is unexpectedly low – USA TODAY

 Three Credit Scores
USA TODAY
 Three Credit Scores
5 reasons your credit score is unexpectedly low
USA TODAY
The only way to know if an account in collections is what's dragging down your score is to pull your credit report and review it for negative information. Don't worry, you won't have to pay for this ? you can get a free copy of each of your three

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Publ.Date : Sun, 02 Nov 2014 09:50:01 GMT

Bad Credit Makes Everything Harder ? How to Fix It – The Fiscal Times

 Three Credit Scores
The Fiscal Times
 Three Credit Scores
Bad Credit Makes Everything Harder ? How to Fix It
The Fiscal Times
3. Start using credit as soon as you can. The easiest way to do this is to get a credit card and use it responsibly and consistently. 4. Only apply for credit you actually need ? too many hard inquiries in the span of just a few months will ding your

Publ.Date : Tue, 11 Nov 2014 19:56:49 GMT

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

rsslogo Three Credit Scores

Updated :

Give yourself some credit: Are you really ready for that mortgage application?
“You have three credit scores (sometimes called FICO scores), one for each of the credit bureaus: Experian, TransUnion, and Equifax,” explain the lending experts at Castle & Cooke Mortgage, one of the nation’s leading mortgage companies. “Each credit …
Publ.Date : Fri, 14 Nov 2014 12:43:00 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

Top 10 things to know about your credit score
The higher the credit score, the better. 2You have three credit scores. There are three major credit bureaus: Equifax, Experian and TransUnion. Each one maintains a separate FICO score for each consumer in its database. As a result, you have three separate …
Publ.Date : Mon, 17 Nov 2014 21:01:00 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 : Fri, 21 Nov 2014 02:00:00 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

Do You Need 3 Credit Scores to Get a Mortgage?
In order to get a mortgage these days, home buyers are typically required to have three credit scores ? one scoring model calculated three times based on each of your credit reports at the three major credit bureaus. However, one problem that I see …
Publ.Date : Thu, 30 Jan 2014 03:25:00 GMT

How To Overcome The Most Common Barriers To Homeownership
The survey respondents cited several barriers to buying a home … (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 …
Publ.Date : Fri, 06 Jun 2014 08:00:00 GMT

rsslogo Three Credit Scores

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Credit scores can measure how healthy a person is, too
Credit scores ? those pesky three-digit numbers that dictate where you can live, what job you can get, even what cellphone plan you can purchase ? are so intimately intertwined with our lives that maybe it’s not the craziest idea to ask a dating …
Publ.Date : Mon, 17 Nov 2014 16:59:00 GMT

Top 10 things to know about your credit score
1 Credit scores range anywhere from 300 to 850. Your credit score is an indicator of how much of a credit risk you are to issuers. The higher the credit score, the better. 2You have three credit scores. There are three major credit bureaus: Equifax …
Publ.Date : Mon, 17 Nov 2014 21:01:00 GMT

Lessons from cities with the best and worst credit scores
“Credit scores really aren’t about how much debt you have,” Griffin … Mississippi, with an unemployment rate of 7.7 percent — and the nation’s highest poverty rate — has three of the lowest-score cities in Experian’s study. At the other end of the …
Publ.Date : Thu, 20 Nov 2014 20:20:00 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

The cities with the lowest credit scores
To see where you fall among your national and state average VantageScore 3.0, you can see your credit scores for free through Credit.com. You can get two free credit scores with updates every 30 days, allowing you to track your personal progress …
Publ.Date : Tue, 18 Nov 2014 14:10:00 GMT

3 Myths I Used to Believe About Credit Scores
During my time writing about credit and personal finance, I?ve learned a lot. And the more I learn, the more I realize how clueless I was about credit scores. My parents instilled in me smart financial habits, like saving up for big purchases and …
Publ.Date : Thu, 21 Jun 2012 17:25:00 GMT

Three Bureaus, Three Scores: Why You Have Multiple Credit Scores
To maximize your 3 credit scores, hedge your bets by practicing good judgment … offers a free professional credit consultation including a free credit report summary and credit score and can help you understand what?s hurting your credit score.
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 : Fri, 28 Nov 2014 05:27:24 GMT

How your credit report can help you?or hurt you – ConsumerReports.org

 Three Credit Bureaus
How your credit report can help you?or hurt you
ConsumerReports.org
Only 53 percent of the 3,000 respondents said they had ever received their credit reports from one or more of the ?Big Three? credit-reporting agencies or credit bureaus: Equifax, Experian, and TransUnion. Also alarming: Of those who did check their

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Publ.Date : Wed, 26 Nov 2014 11:05:49 GMT

Resist pitches to sign up for department store cards at checkout, experts say – Sacramento Bee

 Three Credit Bureaus
Credit.com News (blog)
 Three Credit Bureaus
Resist pitches to sign up for department store cards at checkout, experts say
Sacramento Bee
Any time you open a credit card, the retailer runs an inquiry with the three credit reporting bureaus: Experian, TransUnion and Equifax. Those inquiries can ding your credit score, the three-digit number that determines what you pay for consumer loans
How to Rebuild Your Credit Without Using Credit CardsCredit.com News (blog)

all 35 news articles »

Publ.Date : Sun, 23 Nov 2014 00:54:36 GMT

Tighter standards on reverse mortgages – Charlotte Observer

 Three Credit Bureaus
Tighter standards on reverse mortgages
Charlotte Observer
Credit reports, using merged data from all three national credit bureaus. ? Payment histories on property taxes, homeowners association fees and hazard insurance premiums. ? Income from regular and part-time employment, Social Security, pension funds, …

Publ.Date : Fri, 28 Nov 2014 05:13:08 GMT

3 Easy Ways for 20-Somethings to Establish Credit – Motley Fool

 Three Credit Bureaus
Motley Fool
 Three Credit Bureaus
3 Easy Ways for 20-Somethings to Establish Credit
Motley Fool
The credit card will then function like a normal credit card, requiring monthly payments on your balance and reporting to the three major credit bureaus. Also, don't worry about the "secured" title; this won't appear on your credit report. A secured

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Publ.Date : Thu, 20 Nov 2014 17:21:53 GMT

7 Ways to Boost Your Credit Score This Month – Nasdaq

 Three Credit Bureaus
7 Ways to Boost Your Credit Score This Month
Nasdaq
Get a copy of your free credit report from annualcreditreport.com and check your credit scores regularly. Under federal law you're entitled to one free copy from each of the three credit bureaus: Equifax, Experian, and TransUnion, which each have their

and more »

Publ.Date : Mon, 24 Nov 2014 13:45:52 GMT

Do you need ID theft insurance or credit monitoring? – Monroe Courier

 Three Credit Bureaus
Do you need ID theft insurance or credit monitoring?
Monroe Courier
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 : Mon, 24 Nov 2014 00:12:42 GMT

The Quickest Way to Build Credit Using a Secured Credit Card – Huffington Post

 Three Credit Bureaus
The Quickest Way to Build Credit Using a Secured Credit Card
Huffington Post
Unlike standard credit cards, secured cards generally don't require a stringent credit check (i.e. you can usually have a very low credit score and still qualify). Importantly, many secured cards report how well you pay your bill to the three major

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Publ.Date : Thu, 20 Nov 2014 01:36:47 GMT

7 Simple Ways You Can Quickly Repair Your Credit Score – Motley Fool

 Three Credit Bureaus
Motley Fool
 Three Credit Bureaus
7 Simple Ways You Can Quickly Repair Your Credit Score
Motley Fool
According to Experian, one of the three major reporting credit bureaus in the U.S., the average VantageScore as of Nov. 2013 throughout the country was 681 (the VantageScore, which was developed by the three major credit bureaus, mirrors the FICO score …
Morgan Quinn: Twenty things every 20-something should know about creditMacon Telegraph (blog)
Vail Daily column: You can manage your credit scoreVail Daily News

all 38 news articles »

Publ.Date : Sun, 16 Nov 2014 19:23:44 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 :

5 Credit Card Predictions for 2015
Just note that there are many different credit scoring models, so while the information all comes from the three credit bureaus, the numeric score you receive might be different from what a lender sees when you apply for a mortgage, a credit card or an …
Publ.Date : Tue, 25 Nov 2014 14:53:00 GMT

How to dispute your credit report
Make it a point to get your free credit reports once a year at AnnualCreditReport.com, the website run by the ?Big Three? credit bureaus?Equifax, Experian, and TransUnion?and authorized by the federal goverment. We recommend asking for one report …
Publ.Date : Wed, 26 Nov 2014 19:53:00 GMT

Top 10 Web Sites You Should Visit at Least Once a Year
By law, everyone in the US is entitled to a free credit report once a year from each of the three credit bureaus at annualcreditreport.com (make sure you don’t go to similar-sounding sites, but only this official site). You can grab all three at once or …
Publ.Date : Sat, 22 Nov 2014 09:03:00 GMT

Got a charge for $9.84 on your credit card? Beware
It should only require reporting the fraud to one of the three credit bureaus. The credit bureau that you report to should spread the news to the other two major bureaus on your behalf. And in case you’re not already doing this, keep a close eye on your …
Publ.Date : Thu, 20 Nov 2014 15:13:00 GMT

The Quickest Way to Build Credit Using a Secured Credit Card
Reports to all Three Credit Bureaus Credit expert and author Beverly Harzog emphasizes the importance of finding a secured card that reports your account activity to all three major credit bureaus. “There are so many secured credit cards out there …
Publ.Date : Wed, 19 Nov 2014 23:00:00 GMT

Workshop arms public against identity theft
He also suggested regularly checking your credit report. “You’re allowed a report from each of the three credit bureaus once a year,” he said. “You could check with one credit bureau every four months.” The Federal Trade Commission suggests those same …
Publ.Date : Thu, 20 Nov 2014 22:29:00 GMT

Personal information for hundreds exposed after break in at apartment office
Reporter: THE BREAK-IN HAPPENED IN AUGUST AND THE FREDERICK ARE STILL DEALING WITH THE FALLOUT. THEY REPORTED THE THEFT TO THE THREE CREDIT BUREAUS, BUT JUST YESTERDAY, BRIAN WAS NOTIFIED SOMEONE HAD STOLEN HIS IDENTITY AND OPENED A CREDIT CARD.
Publ.Date : Thu, 20 Nov 2014 10:40:00 GMT

Part One: How to Fix your Credit
To find the date the debt is going to fall off was something I struggled with, but if you keep in mind all three credit bureaus are three separate, individual companies that have their own agendas, it makes it much easier to understand why they are all …
Publ.Date : Mon, 24 Nov 2014 08:05:00 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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