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, 20 Apr 2014 22:38:48 GMT

How to improve credit scores – Los Angeles Times

 Your Credit Score
How to improve credit scores
Los Angeles Times
Dear Liz: I am trying to help my retired parents refinance their home. Currently they are paying over 8% interest. (This loan should be illegal.) The problem is their credit score, which is around 536. They had a tax lien in 2004 (it has been paid off

and more »

Publ.Date : Sun, 20 Apr 2014 16:01:51 GMT

To have a great credit score, start by paying your bills on time – Richmond Times Dispatch

 Your Credit Score
To have a great credit score, start by paying your bills on time
Richmond Times Dispatch
Mathematical formulas ? proprietary algorithms ? generate a three-digit number, known as your credit score, based on data from your credit report. The most commonly used scoring model ranges from 300 to 850. ?The lower the score, the higher the risk

Publ.Date : Sun, 20 Apr 2014 03:05:32 GMT

Can too many credit cards hurt your credit score? – KOMO News

 Your Credit Score
Can too many credit cards hurt your credit score?
KOMO News
One caution: If you have a lot of accounts with high balances that could hurt your credit score. Try to find a way to pay down that debt. You'll save money on the interest and you could see your credit scores go up as well. More Info: How Many Credit

Publ.Date : Fri, 18 Apr 2014 20:30:10 GMT

Why You Should Check Your Credit Score Every 3 Months – Business Insider

 Your Credit Score
Business Insider
 Your Credit Score
Why You Should Check Your Credit Score Every 3 Months
Business Insider
Your baseline. If you don't know your credit score, it's time to find out. Credit scores range from 300-850, and the higher the number, the better your credit. Generally, a score over 650 is considered good, and over 720 is considered excellent. Once

Publ.Date : Thu, 17 Apr 2014 21:01:25 GMT

Are you worthy? What you need to know now about credit scores – The Huntsville Times – al.com

 Your Credit Score
Credit.com News (blog)
 Your Credit Score
Are you worthy? What you need to know now about credit scores
The Huntsville Times – al.com
Unfair as it might seem that three little numbers generated by faceless formulas and algorithms wield such power over everyday decisions and long-term financial health, understanding your credit score is the only way to stand a chance at having it work
The Secret to Improving Your Credit Score in 6 MonthsCredit.com News (blog)
How to Perform a Credit Transfusion on Your SpouseFox Business

all 7 news articles »

Publ.Date : Fri, 18 Apr 2014 17:37:06 GMT

Susan Bach column: Understanding your credit score – Appleton Post Crescent

 Your Credit Score
Susan Bach column: Understanding your credit score
Appleton Post Crescent
First, he needs to understand the elements that make up his credit score, so that he can set his priorities and make good choices, if he's ever faced with the decision of either paying his bills or ordering pizza. Timely payments: About 35 percent of

Publ.Date : Sun, 20 Apr 2014 09:22:52 GMT

Why a Perfect Credit Score Doesn\’t Matter – ABC News

 Your Credit Score
ABC News
 Your Credit Score
Why a Perfect Credit Score Doesn't Matter
ABC News
The idea of ?gaming? your already-excellent credit score to drive it up is not going to benefit you in any real substantive way ? there's little or no difference between the interest rates or credit terms offered to people with an 800 and those offered

Publ.Date : Sat, 12 Apr 2014 10:41:15 GMT

How To Use A Secured Card To Rebuild Your Credit – Forbes

 Your Credit Score
How To Use A Secured Card To Rebuild Your Credit
Forbes
Who among us hasn't needed a second chance? Or a first opportunity? For the millions of Americans who were battered by the Great Recession and came out of it with a tattered credit score, plus the legions of young people who haven't had a chance to

Publ.Date : Thu, 17 Apr 2014 20:18:49 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 :

How to increase your credit score
If you are reading this, it?s obviously because you have made a resolution of improving your credit rating. Well, to be able to achieve this, you must be aware of what goes into your credit report to generate a credit score so you can improve your …
Publ.Date : Tue, 15 Apr 2014 16:28:00 GMT

Why You Should Check Your Credit Score Every 3 Months
We’re all pretty clear by now on the fact that our credit score is important, and we need to stay on top of it. Those three digits can determine not only whether we get major loans ? like a mortgage ? but also the interest rate we’ll pay. The …
Publ.Date : Thu, 17 Apr 2014 14:53:00 GMT

Top 5 Fastest Ways to Rebuild Your Credit Score
NEW YORK (MainStreet) ? Once your credit takes a hit, bringing up those three little numbers in your credit score may seem like an impossibility, but with a dedicated plan of action you can get back on the road to 850 in no time. Our experts weigh in on …
Publ.Date : Fri, 18 Apr 2014 05:07:00 GMT

Can too many credit cards hurt your credit score?
A lot of things that can ding your credit score. One of the worst is paying your bills late. What about having too many credit cards? Will that hurt your score? “Surprisingly, probably not,” said Gerri Detweiler, director of consumer education at Credit.com.
Publ.Date : Fri, 18 Apr 2014 20:37:00 GMT

9 Steps to Boost Your Credit Before You Buy a House
Here are 9 steps to take to strengthen and solidify your credit score. 1. Get Your Hands On Your Credit Report ? If you don’t have a current one, get your credit report now. You need to be aware that problems exist before you can solve them ? and …
Publ.Date : Sun, 20 Apr 2014 09:14:00 GMT

Does Your Credit Score Really Matter?
Do you use credit cards? Would you like to own a home or a car someday? If you want access to those and other loan products, you?ll likely need a decent credit score. The better your score, the more affordable the loans will be. Even if you?re not …
Publ.Date : Mon, 14 Apr 2014 14:00:00 GMT

Credit Repair And Fix Credit In Canada E-course
How Does a Credit Repair Service Work?. There are a few ways a credit repair company can help you improve your credit score. Some of these companies only help you get … How Does a Credit Repair Service Work?. There are a few ways a credit repair company …
Publ.Date : Sat, 19 Apr 2014 15:21:00 GMT

Susan Bach column: Understanding your credit score
Since my oldest son is in college now, I plan to have ?the talk? with him when he?s home from school this weekend for the Easter holiday. Yes, we?re going to talk about his credit score ? and how it can either be his best friend or his worst enemy.
Publ.Date : Fri, 18 Apr 2014 16:05:00 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, 20 Apr 2014 22:44:22 GMT

This Week In Credit Card News–Free Annual Credit Scores, Another Massive … – Forbes

 Three Credit Scores
This Week In Credit Card News–Free Annual Credit Scores, Another Massive
Forbes
Currently, consumers can see their credit reports from all three credit bureaus for free once a year through AnnualCreditReport.com. But they have to pay to see their credit scores on this site. That would change under the SECURE Act. [LowCards.com].

Publ.Date : Fri, 18 Apr 2014 19:16:16 GMT

Are you worthy? What you need to know now about credit scores – The Huntsville Times – al.com

 Three Credit Scores
Credit.com News (blog)
 Three Credit Scores
Are you worthy? What you need to know now about credit scores
The Huntsville Times – al.com
Unfair as it might seem that three little numbers generated by faceless formulas and algorithms wield such power over everyday decisions and long-term financial health, understanding your credit score is the only way to stand a chance at having it work
Why Are Credit Scores So Confusing?Credit.com News (blog)
Why You Should Check Your Credit Score Every 3 MonthsBusiness Insider Australia

all 7 news articles »

Publ.Date : Fri, 18 Apr 2014 17:37:06 GMT

How to improve credit scores – Los Angeles Times

 Three Credit Scores
How to improve credit scores
Los Angeles Times
Answer: Your parents don't have a single credit score. They each have their own scores. Mortgage lenders typically get FICO scores for each borrower from all three credit bureaus, for a total of six scores. Lenders look at the middle score for each

and more »

Publ.Date : Sun, 20 Apr 2014 16:01:51 GMT

Not All Free Credit Scores are Created Equal – Fox Business

 Three Credit Scores
Credit.com News (blog)
 Three Credit Scores
Not All Free Credit Scores are Created Equal
Fox Business
The formula used for the FICO credit score model weighs payment history, amount of debt owed, length of credit history, new credit and types of credit used. Each of the three major credit bureaus (Equifax, Experian and TransUnion) generates a separate …
What Is My Real Credit Score?Credit.com News (blog)
Demystifying Credit ScoresThe Friday Flyer

all 19 news articles »

Publ.Date : Tue, 08 Apr 2014 21:06:20 GMT

To have a great credit score, start by paying your bills on time – Richmond Times Dispatch

 Three Credit Scores
To have a great credit score, start by paying your bills on time
Richmond Times Dispatch
Whether you're buying a home or a car, or starting a small business, lenders use credit scores to help them quickly predict how likely you are to repay your loans. Mathematical formulas ? proprietary algorithms ? generate a three-digit number, known

Publ.Date : Sun, 20 Apr 2014 03:05:32 GMT

6 ways to improve your credit – CNNMoney (press release)

 Three Credit Scores
CNNMoney (press release)
 Three Credit Scores
6 ways to improve your credit
CNNMoney (press release)
These reports are also the basis for your credit score, which is a numerical snapshot of your creditworthiness. The most widely-used credit score is the FICO score, which ranges from 300 to 850. You have three different scores, one associated with each

Publ.Date : Fri, 28 Mar 2014 18:09:58 GMT

Is Your Credit Score Ready for Mortgage Shopping? – DailyFinance

 Three Credit Scores
Is Your Credit Score Ready for Mortgage Shopping?
DailyFinance
Credit Card Score Cassandra Hubbart/AOL Ah, the credit score. This almost-mythical three-digit manifestation of financial responsibility is among the most important numbers in a person's life. Unfortunately, many of us are confused about how credit

Publ.Date : Thu, 03 Apr 2014 10:14:39 GMT

Change around the corner for credit scores – Chicago Tribune

 Three Credit Scores
Change around the corner for credit scores
Chicago Tribune
FICO said the new model, the first major change in six years, is intended to address lenders' concerns about credit score consistency across the three major credit bureaus. A FICO spokesman told National Mortgage News that the new formula, called FICO …

Publ.Date : Mon, 24 Mar 2014 00:07:20 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?
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 : Tue, 11 Feb 2014 00:13:42 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 01:10:37 GMT

Clarity Services, Inc. Gives Lenders Three Credit Scores with Clear Bureau Lite
CLEARWATER, FL, March 05, 2013 /24-7PressRelease/– 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 : Mon, 04 Mar 2013 22:15:52 GMT

Three credit scores no longer needed for mortgage lending
The standard set by the lending industry is that three credit scores are needed for obtaining a mortgage. Reality? That requirement is no longer the benchmark. Securing a mortgage without three credit scores is doable, and here?s how: ? Credit score …
Publ.Date : Thu, 23 Jan 2014 22:49:43 GMT

Why Are There Three Credit Scores?
Generally, when people talk about your credit score, they mean your FICO score, developed by Fair Isaac to be a three-digit representation of the information in your credit report. Using this score, lenders will determine the likelihood of your default on …
Publ.Date : Sun, 18 Jan 2009 16:00:00 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 03:25:37 GMT

How Your Credit Score Can Save (or Cost) You Tons Of Money
From best to worst, these hypothetical homebuyers would pay approximately $1,179, $1,235, or $1,416 on a 30-year mortgage of $250,000, depending on which of the three credit scores they currently have-a difference of almost $300 a month! When buying a car …
Publ.Date : Sun, 09 Feb 2014 10:25:51 GMT

rsslogo Three Credit Scores

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Bill Mandates Free Credit Scores for Everyone
It gives consumers “access to meaningful credit scores free of charge annually.” This is similar to the service currently offered through AnnualCreditReport.com, where consumers can see their credit reports from all three credit bureaus for free once a year.
Publ.Date : Thu, 17 Apr 2014 01:00:00 GMT

How to improve credit scores
Mortgage lenders typically get FICO scores for each borrower from all three credit bureaus … and their respective credit scores reflect that reality. What people “deserve” isn’t a factor. How they handle their credit accounts is. Recent columns Also …
Publ.Date : Sun, 20 Apr 2014 07:11:00 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 03:25:37 GMT

How Many Credit Scores Do You Need 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 : Tue, 11 Feb 2014 00:13:42 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 08:46:19 GMT

Consumer Financial Protection Bureau Encourages Free Credit Scores
Based on information provided by thousands of providers, more than 200 million Americans have credit scores on file with three major reporting agencies; Equifax, Experian and TransUnion. FICO, created by Fair Isaac Corporation, is the most frequently used …
Publ.Date : Wed, 16 Apr 2014 01:00:00 GMT

Simon Says: Why You Have 3 Different Credit Scores
Q: I have three different credit scores with the three credit reporting agencies. Why is it that someone can have three different credit scores? A: Mike, this is common question, probably perpetuated by repeated TV commercials for companies that offer …
Publ.Date : Tue, 06 Aug 2013 12:38:34 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 17:23:28 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, 20 Apr 2014 23:31:56 GMT

Action 9: Woman says credit bureaus believed she was dead – WSOC Charlotte

 Three Credit Bureaus
Action 9: Woman says credit bureaus believed she was dead
WSOC Charlotte
According to various websites, banks, credit card companies, the big three credit bureaus, and the Social Security Administration declare at least 1,000 people dead by mistake every month. SSA spokesperson Patti Patterson defends that agency, saying

Publ.Date : Mon, 31 Mar 2014 22:23:28 GMT

Not All Free Credit Scores are Created Equal – Fox Business

 Three Credit Bureaus
Credit.com News (blog)
 Three Credit Bureaus
Not All Free Credit Scores are Created Equal
Fox Business
These scores range from 300 to 850 based on data pulled from the three major credit bureaus (Equifax, Experian and TransUnion). Discover gets its data solely from TransUnion. First Bankcard's free FICO scores are designed to "weigh consumer behavior …
Demystifying Credit ScoresThe Friday Flyer
What Is My Real Credit Score?Credit.com News (blog)

all 19 news articles »

Publ.Date : Tue, 08 Apr 2014 21:06:20 GMT

How To Use A Secured Card To Rebuild Your Credit – Forbes

 Three Credit Bureaus
How To Use A Secured Card To Rebuild Your Credit
Forbes
The best thing about secured credit cards is that, in most cases, the issuer reports your repayment behavior to the three main credit bureaus ? TransUnion, Experian Experian and Equifax. Translated, this means that paying your bill on time and

Publ.Date : Thu, 17 Apr 2014 20:18:49 GMT

This Week In Credit Card News–Free Annual Credit Scores, Another Massive … – Forbes

 Three Credit Bureaus
This Week In Credit Card News–Free Annual Credit Scores, Another Massive
Forbes
The Stop Errors in Credit Use and Reporting (SECURE) Act is attempting to reduce the problems consumers experience through errors in their scores. Currently, consumers can see their credit reports from all three credit bureaus for free once a year

Publ.Date : Fri, 18 Apr 2014 19:16:16 GMT

To have a great credit score, start by paying your bills on time – Richmond Times Dispatch

 Three Credit Bureaus
To have a great credit score, start by paying your bills on time
Richmond Times Dispatch
Consumers have the right to review their credit reports at each of the three bureaus ? Experian, Equifax and Trans-Union ? for free once a year, as well as when they are denied credit, ClearPoint's Nitzsche said. ?We try to encourage people to split

Publ.Date : Sun, 20 Apr 2014 03:05:32 GMT

How to improve credit scores – Los Angeles Times

 Three Credit Bureaus
How to improve credit scores
Los Angeles Times
Answer: Your parents don't have a single credit score. They each have their own scores. Mortgage lenders typically get FICO scores for each borrower from all three credit bureaus, for a total of six scores. Lenders look at the middle score for each

and more »

Publ.Date : Sun, 20 Apr 2014 16:01:51 GMT

Brown introducing bill to help consumers get errors off credit reports: Plain … – The Plain Dealer

 Three Credit Bureaus
Brown introducing bill to help consumers get errors off credit reports: Plain
The Plain Dealer
After much scrutiny by the FTC, CFPB and Congress, the three credit bureaus — Equifax, Experian and TransUnion — changed their error reporting system to allow consumers to upload supporting documentation when they filed disputes. Last September, the …
New bill aims to protect against erroneous credit reportsColumbus Dispatch
New Legislation Aims To Ensure Accurate Credit Reports, Provide Free Credit The Consumerist
Knowledge is power: How the right reporting agency can help youMilwaukee Journal Sentinel

all 21 news articles »

Publ.Date : Wed, 09 Apr 2014 16:32:17 GMT

Are you worthy? What you need to know now about credit scores – The Huntsville Times – al.com

 Three Credit Bureaus
Business Insider Australia
 Three Credit Bureaus
Are you worthy? What you need to know now about credit scores
The Huntsville Times – al.com
The Fair Isaac Corp. developed a scoring model that calculates the credit score, used by the three major credit bureaus. Lenders then use the number to decide how likely a consumer is to repay a loan. In simplest terms, your credit score is a snapshot
Why You Should Check Your Credit Score Every 3 MonthsBusiness Insider Australia

all 7 news articles »

Publ.Date : Fri, 18 Apr 2014 17:37:06 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 :

9 Steps to Boost Your Credit Before You Buy a House
There are a variety of ways to get your report, and you’re entitled to a free one from each of the three credit bureaus once a year under the FACT Act; just go to www.annualcreditreport.com to retrieve it. 2. Mistakes Happen ? Get Them Fixed …
Publ.Date : Sun, 20 Apr 2014 09:14:00 GMT

Bill Mandates Free Credit Scores for Everyone
This is similar to the service currently offered through AnnualCreditReport.com, where consumers can see their credit reports from all three credit bureaus for free once a year. However, consumers must pay to see their credit scores on this site.
Publ.Date : Thu, 17 Apr 2014 01:00:00 GMT

This Week In Credit Card News–Free Annual Credit Scores, Another Massive Data Breach?
Currently, consumers can see their credit reports from all three credit bureaus for free once a year through AnnualCreditReport.com. But they have to pay to see their credit scores on this site. That would change under the SECURE Act. [LowCards.com] Target …
Publ.Date : Fri, 18 Apr 2014 12:17:00 GMT

How to improve credit scores
They each have their own scores. Mortgage lenders typically get FICO scores for each borrower from all three credit bureaus, for a total of six scores. Lenders look at the middle score for each person and typically base rates and terms on the lower of …
Publ.Date : Sun, 20 Apr 2014 07:11:00 GMT

Brown introducing bill to help consumers get errors off credit reports: Plain Dealing
After much scrutiny by the FTC, CFPB and Congress, the three credit bureaus — Equifax, Experian and TransUnion — changed their error reporting system to allow consumers to upload supporting documentation when they filed disputes. Last September …
Publ.Date : Wed, 09 Apr 2014 13:04:00 GMT

Betty Lin-Fisher: Proving your identity isn?t always so easy; free shredding events this Saturday
Consumers are entitled to a free credit report from each of the three credit bureaus once a year. Go online to www.annualcreditreport.com or call 877-322-8228. If you are seeking new credit soon, it?d be a good idea to get all three reports for yourself …
Publ.Date : Sat, 19 Apr 2014 15:38:00 GMT

10 financial commandments for your 30s
You can do this free by visiting AnnualCreditReport.com (not the site with all those catchy commercials, mind you, which can wind up costing you money) and viewing a free report from each of the three credit bureaus every year. Regular reviews of your …
Publ.Date : Thu, 17 Apr 2014 14:47:00 GMT

Why Rep. Sean Duffy is wrong to fight consumer protection bureau: column
At the event, Cordray announced that the CFPB had also been able to convince the Big Three credit bureaus, which function as powerful gatekeepers to financial and employment opportunity, to improve complaint reinvestigations by sending copies of all …
Publ.Date : Sat, 19 Apr 2014 08:27:00 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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