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 : Sat, 01 Nov 2014 05:45:53 GMT

Do you know what payments impact your credit score? – ConsumerAffairs

 Your Credit Score
ConsumerAffairs
 Your Credit Score
Do you know what payments impact your credit score?
ConsumerAffairs
You probably have heard that being late in paying your bills can whittle away at your credit score. But which bills have the most impact? When credit bureau TransUnion conducted a survey of consumers asking that very question, it found a lot of confusion.

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Publ.Date : Thu, 30 Oct 2014 13:57:48 GMT

How credit score affects approval for auto loans – Bay Net

 Your Credit Score
Bay Net
 Your Credit Score
How credit score affects approval for auto loans
Bay Net
One of the most important factors to understand when applying for auto loans is your credit score. Every time you apply for any type of credit, that business will make an inquiry with a credit agency. You will be rated at a number between 300 and 850

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Publ.Date : Fri, 31 Oct 2014 14:43:57 GMT

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

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

Publ.Date : Fri, 31 Oct 2014 05:24:54 GMT

Reanimate Your Credit Score – Auto Credit Express (blog)

 Your Credit Score
Auto Credit Express (blog)
 Your Credit Score
Reanimate Your Credit Score
Auto Credit Express (blog)
Here at Auto Credit Express, we specialize in finding auto financing resources for people with bad credit. A low credit score should not stop you from finding a reliable vehicle to get around in. Your livelihood depends on solid transportation and we

Publ.Date : Wed, 29 Oct 2014 22:08:38 GMT

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

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

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

What credit score do I need to refinance? – USA TODAY

 Your Credit Score
USA TODAY
 Your Credit Score
What credit score do I need to refinance?
USA TODAY
Chances are, lenders won't see your credit score the same way you do. Usually, mortgage brokers take the middle of the three major credit bureau scores into consideration when assigning you an interest rate. Additionally, if your spouse has worse

Publ.Date : Mon, 27 Oct 2014 05:01:39 GMT

Best Ways To Repair Your Credit Score – Investopedia

 Your Credit Score
Best Ways To Repair Your Credit Score
Investopedia
You've probably seen ads telling you, ?We can erase your bad credit ? 100% guaranteed.? Or possibly ones that promise they can: ?Create a new credit identity ? legally.? Any company that promises a quick fix like this for your credit score is a scam
Everything You Need to Know About the New FICO Score: Your Credit Has MainStreet

all 2 news articles »

Publ.Date : Mon, 27 Oct 2014 15:49:35 GMT

Can spouse\’s credit score kill your mortgage? – USA TODAY

 Your Credit Score
USA TODAY
 Your Credit Score
Can spouse's credit score kill your mortgage?
USA TODAY
Your spouse's credit can make or break your mortgage. A score imbalance ? hers is high and his is low ? can mean getting saddled with a higher interest rate, or not qualifying at all. There are even cases where leaving a spouse off the loan application
Hinckley woman says FICO credit score on Discover statement is wrong by 150 The Plain Dealer – cleveland.com
What Is a Good Credit Score?Motley Fool
Improving your credit score should be the first thing on your to-do listLodi News-Sentinel
U-T San Diego -Marshfield News-Herald -Greenville Daily Reflector
all 10 news articles »

Publ.Date : Sat, 04 Oct 2014 17:12:04 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 :

QUIZ: Test your credit score knowledge
a. Avoid co-signing loans for others. b. Pay your bills on time c. Avoid exceeding your credit limit on revolving accounts. d. Transfer credit balances often to take advantage of low introductory rates. It really depends on the credit card and your history.
Publ.Date : Fri, 31 Oct 2014 19:24:00 GMT

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

Do you know what payments impact your credit score?
You probably have heard that being late in paying your bills can whittle away at your credit score. But which bills have the most impact? When credit bureau TransUnion conducted a survey of consumers asking that very question, it found a lot of confusion.
Publ.Date : Thu, 30 Oct 2014 08:21:00 GMT

Which monthly bills affect your credit score? Most people don\’t know
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 regularly …
Publ.Date : Tue, 28 Oct 2014 17:23:00 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 : Tue, 21 Oct 2014 22:35:00 GMT

Your Credit Score & Your Auto Loan: 4 Things You Can Do To Get A Better Interest Rate
Have you been thinking about buying a car? Whether you’re in the market for a brand new ride or something slightly used, now could be a good time to act. If you’re a new-car fan, you know that most 2015 models have either rolled into showrooms or will soon …
Publ.Date : Mon, 27 Oct 2014 01:00:00 GMT

Reanimate Your Credit Score
If you feel that you?ve been cursed with a low credit score, you do have options. Here at Auto Credit Express, we specialize in finding auto financing resources for people with bad credit. A low credit score should not stop you from finding a reliable …
Publ.Date : Wed, 29 Oct 2014 15:05:00 GMT

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

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 : Sat, 01 Nov 2014 05:45:55 GMT

What credit score do I need to refinance? – USA TODAY

 Three Credit Scores
USA TODAY
 Three Credit Scores
What credit score do I need to refinance?
USA TODAY
Chances are, lenders won't see your credit score the same way you do. Usually, mortgage brokers take the middle of the three major credit bureau scores into consideration when assigning you an interest rate. Additionally, if your spouse has worse

Publ.Date : Mon, 27 Oct 2014 05:01:39 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

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 scoreKENS 5 TV
Car Loans for Bad Credit: Don't Get Ripped OffMotley Fool
VOXXI
all 354 news articles »

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

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

Credit score vs. credit report: What\’s the diff? – Yahoo!7 News

 Three Credit Scores
Credit score vs. credit report: What's the diff?
Yahoo!7 News
Credit score: Somewhat, but it's not a traditional FICO-type credit score. Many property insurers use credit-based insurance scores that predict the likelihood someone will file a claim. The score is based off an algorithm using information in a credit

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Publ.Date : Wed, 08 Oct 2014 01:10:38 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

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

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

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

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

rsslogo Three Credit Scores

Updated :

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

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

Do You Need 3 Credit Scores to Get a Mortgage?
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

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

How Your Credit Score Can Save (or Cost) You Tons Of Money
Using our three credit scores of 760, 690, and 620 … Many apartment communities will not rent to anyone with a credit score below the mid-600s, and those that will rent to low-credit tenants may ask for a hefty additional security deposit.
Publ.Date : Sun, 09 Feb 2014 10:36:00 GMT

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

3 credit score questions you never thought to ask
Here are three questions you probably never considered about your credit score. The answers might surprise you. 1. What are my three credit scores? … Drivers Needed 178 Student Suburban Truck Driving School Detroit, MI
Publ.Date : Sun, 06 Jul 2014 01:00:00 GMT

rsslogo Three Credit Scores

Updated :

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 20:34:00 GMT

5 Things You Need to Know About Credit Scores — CCCS Demystifies the Credit Rating Process
3. How Does Reducing the Amount You Owe Increase Your Credit … because 30 percent of your credit score is based on your outstanding debts. Jankalski explains, ?Credit scores rely on a formula called the debt utilization ratio. It compares the amount …
Publ.Date : Sat, 25 Oct 2014 00:48:00 GMT

Do I need to know all three of my credit scores?
Credit information is often not reported with the same accuracy across all three credit bureaus, so it is important for consumers to check each report and score. The three credit bureaus are Experian, Equifax and TransUnion, and each one of these agencies …
Publ.Date : Tue, 28 Oct 2014 06:23:00 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 08:52:00 GMT

3 Spooks That Can Haunt Your Credit
But knowledge is power and you can protect yourself and your credit from these three credit spooks … prevent getting into a situation like this by keeping an eye on your credit scores, and you can get two of your credit scores for free every month …
Publ.Date : Wed, 29 Oct 2014 15:59:00 GMT

10Best: Ways to improve your credit score
Credit scores influence nearly all things financial in your life … The range is 300 to 850; the best interest rates are typically offered to people with scores above 720. 3. Pay your bills on time ? even if it’s just the minimum amount due.
Publ.Date : Sat, 18 Oct 2014 16:56:00 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 11:00:00 GMT

Rent Plays No Role in Most Credit Scores, and 77% Wish It Would
Consider a four-year, $15,000 auto loan an interest rate of 3%: The monthly payment would be $332.01 … While it’s well worth knowing what counts and what does not against consumer credit scores, Americans don’t grade out all that well on knowing the …
Publ.Date : Wed, 22 Oct 2014 03:44:00 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 : Sat, 01 Nov 2014 05:22:18 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

Do You Need ID Theft Insurance or Credit Monitoring? – Huffington Post

 Three Credit Bureaus
Do You Need ID Theft Insurance or Credit Monitoring?
Huffington Post
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

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Publ.Date : Wed, 29 Oct 2014 18:53:51 GMT

On the Trail of Lost Money – New York Times

 Three Credit Bureaus
On the Trail of Lost Money
New York Times
It urges them to call beneficiaries for information, do Internet searches and spend money to get access to commercial databases.The big three credit bureaus tend to know where lots of people are at any given moment and can sometimes help employers.

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Publ.Date : Fri, 31 Oct 2014 22:38:31 GMT

What to Do With Your Extra Hour on Nov. 2: Money Tasks That Take 60 Minutes … – MainStreet

 Three Credit Bureaus
What to Do With Your Extra Hour on Nov. 2: Money Tasks That Take 60 Minutes
MainStreet
According to federal law, you are entitled to receive a free credit report once every 12 months at your request from each of the three major consumer credit reporting bureaus ? Equifax, Experian and TransUnion. Your free credit report does includes a

Publ.Date : Fri, 31 Oct 2014 13:01:33 GMT

Watch your credit info amid data breaches – Muncie Star Press

 Three Credit Bureaus
Muncie Star Press
 Three Credit Bureaus
Watch your credit info amid data breaches
Muncie Star Press
The Consumer Financial Protection Bureau notes on its website, www.consumerfinance.gov, that consumers have no liability for unauthorized charges using their credit card account number, whether the card or just the account number was stolen.

Publ.Date : Sun, 26 Oct 2014 21:18:17 GMT

Smishing scams use text messages to steal info – WWBT

 Three Credit Bureaus
Smishing scams use text messages to steal info
WWBT
Tom Gallagher with the Better Business Bureau reminds people neither SunTrust, nor any other bank, would call, text or email you regarding your bank account. The BBB says ignore the message. If you have already called and given out information you have …

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Publ.Date : Fri, 31 Oct 2014 17:21:29 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

Some Granville school system employees hit by security breach – Henderson Daily Dispatch (registration)

 Three Credit Bureaus
Some Granville school system employees hit by security breach
Henderson Daily Dispatch (registration)
Check credit reports. Once criminals have personal information, they may use it to open new accounts in the consumer's name. Everyone is allowed a free credit report per year from each of the three credit bureaus. Breach victims can also request a

Publ.Date : Thu, 30 Oct 2014 22:19:08 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 :

Money tasks: What to do with that extra hour on Nov. 2
If you’re curious about your FICO score from one or all of the three credit bureaus, you can access it through FICO.com for $19.95 each. “Just like with any financial situation, knowledge is power: You can’t fix bad credit if you don’t know what’s going …
Publ.Date : Fri, 31 Oct 2014 07:55:00 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 14:09:00 GMT

Do I need to know all three of my credit scores?
Credit information is often not reported with the same accuracy across all three credit bureaus, so it is important for consumers to check each report and score. The three credit bureaus are Experian, Equifax and TransUnion, and each one of these agencies …
Publ.Date : Tue, 28 Oct 2014 06:23:00 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 cont …
Publ.Date : Wed, 29 Oct 2014 13:26:00 GMT

Some Granville school system employees hit by security breach
Everyone is allowed a free credit report per year from each of the three credit bureaus. Breach victims can also request a fraud alert from one of credit bureaus and should consider a security freeze for maximum protection. ? Be on guard for calls …
Publ.Date : Thu, 30 Oct 2014 20:58:00 GMT

Why you need ID theft insurance
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 : Thu, 30 Oct 2014 01:00:00 GMT

2 Ways to Prevent Military Identity Theft
You can remove this at any time. The security freeze, once in place, is indefinite unless you decide to remove it. It requires contacting three credit bureaus and is free online to North Carolina residents.
Publ.Date : Fri, 24 Oct 2014 07:34:00 GMT

BBB breaks down difference between credit, debit cards
You?re allowed one free credit report per year from each of the three credit bureaus at www.annualcreditreport.com. You can always get help from you BBB, such as lists of BBB Accredited companies and business reviews on ones you?re considering.
Publ.Date : Mon, 27 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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