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 : Wed, 01 Oct 2014 19:34:17 GMT

Can you buy a good credit score? – CBS News

 Your Credit Score
Credit.com News
 Your Credit Score
Can you buy a good credit score?
CBS News
Under most credit scoring models used today, paying off a bad debt does not remove it from your credit. Sure, you can try to negotiate with a collection agency to remove a collection account if you pay it in full, but they aren't obligated to do that
Are Free Credit Scores Really Free?U.S. News & World Report
What makes up your credit score? (Graphic: Business Wire)DigitalJournal.com

all 6 news articles »

Publ.Date : Wed, 01 Oct 2014 15:00:12 GMT

3 Credit Score Myths that Could be Costing You – TIME

 Your Credit Score
TIME
 Your Credit Score
3 Credit Score Myths that Could be Costing You
TIME
credit scoring myths Canceling an old card won't necessarily impact your score?at least not in the way you think. Fuse?Getty Images. These common assumptions could take big points off your FICO score?and leave you paying more on loans and credit …
Michelle Singletary: Simple ways to improve your creditBuffalo News

all 3 news articles »

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

Can Your Spouse\’s Credit Score Kill Your Mortgage? – Credit.com News (blog)

 Your Credit Score
Credit.com News (blog)
 Your Credit Score
Can Your Spouse's Credit Score Kill Your Mortgage?
Credit.com News (blog)
Save for maybe the diehard financial romantics, it's a rare wedding where ?credit scores? share billing with sickness and health. But it might be time to update those well-worn marriage vows. From that moment forward, your spouse's credit profile will

Publ.Date : Tue, 30 Sep 2014 04:37:31 GMT

11 Simple Ways You Can Boost Your Credit Score – DailyFinance

 Your Credit Score
DailyFinance
 Your Credit Score
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
Woman's hand holding an array of credit cards Getty Images Knowing your credit score and knowing how to improve it are two of the most important things consumers can do ensure they reach their long-term goals. The three major credit rating agencies …
Does Your Credit Score Care Where You Shop?Credit.com News (blog)
BBB: Consumers aren't helpless with credit scoresTopeka Capital Journal
America's Obsession With Credit ScoresNational Mortgage Professional Magazine
Sunbury Daily Item -Allentown Examiner
all 10 news articles »

Publ.Date : Mon, 22 Sep 2014 14:15:41 GMT

How to Start a Strong Credit History – Wall Street Journal

 Your Credit Score
Wall Street Journal
 Your Credit Score
How to Start a Strong Credit History
Wall Street Journal
Credit history and credit score have become important barometers of personal responsibility, says Jean Chatzky, contributing editor for consumer-finance site Bankrate.com. Because your credit has wide-ranging implications?potentially affecting

Publ.Date : Sun, 28 Sep 2014 00:04:48 GMT

How to Raise Your Spouse\’s Low Credit Score – TIME

 Your Credit Score
How to Raise Your Spouse's Low Credit Score
TIME
And if you can't handle those terms, ?you might find yourself completing an apartment lease application while you work to rebuild your spouse's credit history,? says Griffin. As the higher scoring spouse, it's in your best interest to help your partner

Publ.Date : Fri, 19 Sep 2014 16:04:41 GMT

Martin Lewis 20 things you must know to boost your credit score – Telegraph.co.uk

 Your Credit Score
Telegraph.co.uk
 Your Credit Score
Martin Lewis 20 things you must know to boost your credit score
Telegraph.co.uk
'I'm not a number, I'm a free man" ? er, no, you're a number. Credit scoring is an ever?more important part of everyone's financial lives, not just affecting the obvious, such as credit cards, mortgages and loans ? but also your ability to get monthly

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Publ.Date : Fri, 26 Sep 2014 15:36:30 GMT

Top Websites For Checking Your Credit Scores – Investopedia

 Your Credit Score
Top Websites For Checking Your Credit Scores
Investopedia
While you can check your credit reports from each of the major credit bureaus ? Experian, Equifax and TransUnion ? for free once every 12 months at www.AnnualCreditReport.com, the free reports don't contain your credit score. Lenders and creditors …
What Sets Top Credit Scores Apart From the Rest?Huffington Post
Reader Question: Does Applying for a Balance Transfer Card Hurt Your Credit?The Dough Roller
If your credit score's great, don't toil to add a few pointsBoston Globe

all 12 news articles »

Publ.Date : Wed, 17 Sep 2014 23:27:39 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 :

Are Free Credit Scores Really Free?
More companies are now offering ‘free credit scores.’ Here?s what consumers should know. Several companies allow you to access your credit score for no cost, but you have to give up personal information and use the service carefully. Consumers tend to re …
Publ.Date : Wed, 01 Oct 2014 07:00:00 GMT

What You Need to Know About Canceling One of Your Credit Cards
If so, you might be tempted to cancel the cards you no longer use. This is a good way to minimize your potential for debt, but it could actually hurt your credit score. What happens when you cancel a credit card? How your credit score changes when you …
Publ.Date : Wed, 01 Oct 2014 11:11:00 GMT

What Makes Up Your Credit Score? (Graphic: Business Wire)
1. Check your credit report annually. Make sure your credit report contains current and accurate information. Errors could negatively impact your credit score and even be a sign of possible identity theft. Request a free copy of your credit report at least …
Publ.Date : Wed, 01 Oct 2014 05:36:00 GMT

This One Ratio Is the Key to a Good Credit Score
But there is a Holy Grail of sorts here too. Of all the different factors that feed into your credit score, many experts believe that there is one factor that stands above the rest in keeping your score high. The fact that this one ratio is so important is …
Publ.Date : Wed, 01 Oct 2014 08:17:00 GMT

How getting married will affect your credit score
A common misconception about marriage is that in addition to uniting two lives together, it also combines two credit scores. Actually, your credit score is yours alone ? no matter your marital status. That?s because your credit rating is an assessment …
Publ.Date : Tue, 30 Sep 2014 22:37:00 GMT

Could your credit score soon be based on your FACEBOOK FRIENDS? Expert predicts future of banking will rely on social networks
Imagine a world where your credit score is judged by the company you keep on social networks, and not just on your spending habits. Or a time when you pay for shopping using an eye-scanner, transfer money with the flick of a finger and meet your bank …
Publ.Date : Mon, 29 Sep 2014 04:06:00 GMT

DR 112: 7 Things that Cause Your Credit Score to Fluctuate from Month-to-Month
Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.
Publ.Date : Wed, 01 Oct 2014 11:47:00 GMT

Facebook Friends Could Be Be Used to Predict Your Credit Score a Financial Expert Predicts
Facebook is known as the social media site that has the largest user-base; and this could be the reason why a financial expert, Mr Gi Fernando has predicted that credit score could in the near future be based on your friends. Fernando, who believes the …
Publ.Date : Mon, 29 Sep 2014 01:00:00 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 : Wed, 01 Oct 2014 19:34:19 GMT

3 Credit Score Myths that Could be Costing You – TIME

 Three Credit Scores
TIME
 Three Credit Scores
3 Credit Score Myths that Could be Costing You
TIME
With that in mind, here are three important credit half-truths that you need to understand. After all, the more you know, the higher your score is likely to be. THE MYTH: Closing a credit card you've had open for a long time will hurt your score
Michelle Singletary: Simple ways to improve your creditBuffalo News

all 3 news articles »

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

Can you buy a good credit score? – CBS News

 Three Credit Scores
Can you buy a good credit score?
CBS News
There are three reasons why buying better credit is so difficult. 1. Paying a Delinquent Debt Doesn't Make It Go Away. Under most credit scoring models used today, paying off a bad debt does not remove it from your credit. Sure, you can try to

and more »

Publ.Date : Wed, 01 Oct 2014 15:00:12 GMT

11 Simple Ways You Can Boost Your Credit Score – DailyFinance

 Three Credit Scores
DailyFinance
 Three Credit Scores
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
Woman's hand holding an array of credit cards Getty Images Knowing your credit score and knowing how to improve it are two of the most important things consumers can do ensure they reach their long-term goals. The three major credit rating agencies …
BBB: Consumers aren't helpless with credit scoresTopeka Capital Journal
America's Obsession With Credit ScoresNational Mortgage Professional Magazine
Credit where credit's dueAllentown Examiner

all 10 news articles »

Publ.Date : Mon, 22 Sep 2014 14:15:41 GMT

Top Websites For Checking Your Credit Scores – Investopedia

 Three Credit Scores
Top Websites For Checking Your Credit Scores
Investopedia
Credit Karma also gives you three additional credit scores: your VantageScore, your auto insurance score and your home insurance score. The VantageScore is another credit score that ranges from 501 to 990 and also gives you a letter grade from A to F.

and more »

Publ.Date : Wed, 17 Sep 2014 23:27:39 GMT

TransUnion tells Chagrin Falls woman she has "C" credit, but it\’s really "D … – The Plain Dealer – cleveland.com

 Three Credit Scores
The Columbian
 Three Credit Scores
TransUnion tells Chagrin Falls woman she has "C" credit, but it's really "D
The Plain Dealer – cleveland.com
Q: I plan to try to get an auto loan soon. I went to check my credit report at TransUnion and paid $29.99 to see my scores from all three reporting agencies. TransUnion provided me with 3 "Vantage" scores — in the high "C" (prime) category. The scores
How FICO's New Credit Score Will Impact ConsumersHuffington Post
Some tips on improving your credit scoreKansas.com

all 5 news articles »

Publ.Date : Fri, 19 Sep 2014 12:11:25 GMT

Column:Taking the mystery out of credit scores – Marshfield News-Herald

 Three Credit Scores
Marshfield News-Herald
 Three Credit Scores
Column:Taking the mystery out of credit scores
Marshfield News-Herald
Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac to come up with the scoring method. One version of the FICO credit rating scale is located at http://www.buzzle.com/articles/credit-score-rating-scale.html.
Credit score overhaul introduced in HouseThe Hill
Giving Credit Scores a Post-Crash OverhaulBusinessweek
The bill that could radically improve your credit scoreWashington Post

all 25 news articles »

Publ.Date : Fri, 12 Sep 2014 10:00:10 GMT

Is There Such a Thing As a Free Credit Score? – Motley Fool

 Three Credit Scores
azcentral.com
 Three Credit Scores
Is There Such a Thing As a Free Credit Score?
Motley Fool
The majority of these services will indeed give you a credit report and some version of a credit score, but only after you've entered your credit card information and agreed to a trial subscription of whatever credit monitoring service the company is
Crunching the credit-score numbersazcentral.com
The Color of Money | How to improve a credit score: Pay on timeColumbus Dispatch
Good Question: Buying a home comes down to creditPittsburgh Post Gazette
HeraldNet -Pittsburgh Post-Gazette
all 12 news articles »

Publ.Date : Sun, 14 Sep 2014 18:16:22 GMT

What Realtors need to know about credit scores – Inman.com

 Three Credit Scores
NY1
 Three Credit Scores
What Realtors need to know about credit scores
Inman.com
In 2004, Experian and TransUnion created their own credit scores, the Plus Score and the Trans Risk Score, followed by the Equifax Credit Score from Equifax. These scores are offered to consumers by the three credit bureaus for a fee, or for free with
6 Tips to Improve a Credit Score FastMotley Fool
Credit Cards: How Many Is Too Many?CBS Local
Medical debt to weigh less in credit scoresGainesville Sun
NY1 -The-review
all 17 news articles »

Publ.Date : Wed, 03 Sep 2014 18:11:41 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

Three credit scores offer variety
Q: Why do the three credit-score companies provide different scores? A: As if your credit score wasn’t complex enough, you must deal with three different credit bureaus reporting three different scores. Why? The three credit bureaus — Equifax, Trans-Union …
Publ.Date : Fri, 25 Oct 2013 10:10:00 GMT

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

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

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

Clarity Services, Inc. Gives Lenders Three Credit Scores with Clear Bureau Lite
CLEARWATER, Fla., March 5, 2013 /PRNewswire/ — Clarity Services, Inc., the leading real-time credit bureau providing fraud detection and credit risk management solutions for Middle America announces its newest product, Clear Bureau Lite. Clear Bureau …
Publ.Date : Tue, 05 Mar 2013 03:42:00 GMT

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

How Your Credit Score Determines Your Auto 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 : Wed, 27 Aug 2014 04:13:00 GMT

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

Top Websites For Checking Your Credit Scores
Credit Karma also gives you three additional credit scores: your VantageScore, your auto insurance score and your home insurance score. The VantageScore is another credit score that ranges from 501 to 990 and also gives you a letter grade from A to F.
Publ.Date : Wed, 17 Sep 2014 16:09:00 GMT

Are Free Credit Scores Really Free?
“Credit scores have gone from being a consumer product to a loss leader … [Read: 5 Questions to Help You Decide Whether to Save or Pay Off Debt.] 3. You are not necessarily seeing the same score that a lender would see. Harzog says that while it …
Publ.Date : Wed, 01 Oct 2014 07:00:00 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
This post was contributed by our Financial Literacy Movement partner Lexington Law. According to FICO, the company that pioneered credit scoring, ?there will almost always be some minor differences in your scores across the three credit bureaus? If …
Publ.Date : Thu, 24 May 2012 08:46:00 GMT

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

Can you buy a good credit score?
Unfortunately, none of these factors is considered in today’s credit scores.” 3. Credit Repair Can Only Do So Much Consumers who are frustrated by the lack of progress they are making in building or rebuilding their credit often turn to credit repair firms.
Publ.Date : Wed, 01 Oct 2014 07:57:00 GMT

New FICO Credit Score Formula Will Affect Homebuyers
Credit scores are calculated using sophisticated algorithms that analyze consumer credit behavior, which is recorded and monitored in credit reports produced by three organizations: Experian, Equifax and TransUnion. Credit scores range from 300 (not good …
Publ.Date : Wed, 01 Oct 2014 02:33:00 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 : Wed, 01 Oct 2014 19:34:22 GMT

3 Credit Score Myths that Could be Costing You – TIME

 Three Credit Bureaus
TIME
 Three Credit Bureaus
3 Credit Score Myths that Could be Costing You
TIME
FICO gets the information about what you're charging?and all the information used in your score, in fact?from the three major credit bureaus, Experian, Equifax and TransUnion. Here's the rub: Card issuers typically report to the bureaus on a specific
Michelle Singletary: Simple ways to improve your creditBuffalo News

all 3 news articles »

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

MFIs credit bureau on course – GhanaWeb

 Three Credit Bureaus
GhanaWeb
 Three Credit Bureaus
MFIs credit bureau on course
GhanaWeb
?We have come very far with the credit referencing system for the microfinance sector?We have had discussions with three registered credit bureau and the regulator, and we came to the consensus that it would be good for the MFI industry to have its

Publ.Date : Wed, 01 Oct 2014 05:52:48 GMT

Column: Check your free credit report 3 times per year – Stevenspointjournal

 Three Credit Bureaus
Stevenspointjournal
 Three Credit Bureaus
Column: Check your free credit report 3 times per year
Stevenspointjournal
Federal law gives everyone the right to a free credit report from each of the three major credit bureaus every 12 months. The University of Wisconsin-Extension makes it easy for consumers to review their reports through its "Check Your Free Credit

Publ.Date : Tue, 23 Sep 2014 18:14:58 GMT

The Brave New World of Credit Scoring – Bloomberg

 Three Credit Bureaus
Bloomberg
 Three Credit Bureaus
The Brave New World of Credit Scoring
Bloomberg
Commercial banks, credit card companies and credit bureaus have dived into big data, too, mainly for marketing and fraud protection. They've mostly left advances in the field of credit … Three of the most-digitized credit scorers for low-income

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Publ.Date : Wed, 01 Oct 2014 14:04:49 GMT

Protecting Your Credit – KELOLAND TV

 Three Credit Bureaus
KELOLAND TV
 Three Credit Bureaus
Protecting Your Credit
KELOLAND TV
"A freeze means that your credit is frozen," Jessie Schmidt of the Better Business Bureau said. It stops all new credit inquiries and prevents identity thieves from opening accounts in your name. You have to set it up with all three credit bureaus and

and more »

Publ.Date : Tue, 30 Sep 2014 03:24:36 GMT

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

 Three Credit Bureaus
Credit.com News (blog)
 Three Credit Bureaus
Can You Buy a Good Credit Score?
Credit.com News (blog)
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 reasons why buying better credit is so difficult. … Resolving a judgment is a good idea for many reasons

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

TransUnion tells Chagrin Falls woman she has "C" credit, but it\’s really "D … – The Plain Dealer – cleveland.com

 Three Credit Bureaus
The Columbian
 Three Credit Bureaus
TransUnion tells Chagrin Falls woman she has "C" credit, but it's really "D
The Plain Dealer – cleveland.com
Q: I plan to try to get an auto loan soon. I went to check my credit report at TransUnion and paid $29.99 to see my scores from all three reporting agencies. TransUnion provided me with 3 "Vantage" scores — in the high "C" (prime) category. The scores
How FICO's New Credit Score Will Impact ConsumersHuffington Post

all 5 news articles »

Publ.Date : Fri, 19 Sep 2014 12:11:25 GMT

14 multi-unit mailboxes in Woodinville broken into in two weeks – Woodinville Northwest News

 Three Credit Bureaus
14 multi-unit mailboxes in Woodinville broken into in two weeks
Woodinville Northwest News
Stanley added that if people suspect their personal information has been taken in a mail theft, they can ask the ?big three? credit bureaus (Equifax, TransUnion and Experian) to put a fraud watch on their accounts. Victims should closely monitor their

Publ.Date : Wed, 01 Oct 2014 05:02:20 GMT

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

rsslogo Three Credit Bureaus

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How Your Family May Inherit Your Debt When You Die
While you are at it, it?s not a bad idea to get your own free credit report from all three credit bureaus to see which debts are reported. You can also get your credit score for free, but there really isn?t a point in getting a credit score for the …
Publ.Date : Tue, 30 Sep 2014 08:58:00 GMT

Protecting Your Credit
It stops all new credit inquiries and prevents identity thieves from opening accounts in your name. You have to set it up with all three credit bureaus and it costs $10 per bureau for South Dakota residents. It’s in effect for seven years, but if you need …
Publ.Date : Mon, 29 Sep 2014 23:10:00 GMT

How FICO\’s New Credit Score Changes Will Impact Individuals
And the changes made will also make your FICO score more consistent across the three credit bureaus. Higher credit scores mean lower interest rates. Pay your bills on time. Keep track of your spending and don?t max out your credit cards. Keep credit …
Publ.Date : Wed, 01 Oct 2014 09:05:00 GMT

Who will inherit your debt when you die?
While you are at it, it?s not a bad idea to get your own free credit report from all three credit bureaus to see which debts are reported. You can also get your credit score for free, but there really isn?t a point in getting a credit score for the …
Publ.Date : Tue, 30 Sep 2014 05:31:00 GMT

\’Freeze out\’ identity theft
Opening store credit cards on impulse may no longer be an option. You’ll need to request a temporary “thaw” with all three credit bureaus to allow lenders to access your reports. The entire online thaw request process for all three bureaus should take …
Publ.Date : Mon, 29 Sep 2014 10:02:00 GMT

Six Credit Report Tips for Homebuyers
?All three credit bureaus have different reporting patterns and each could have a different error that you might need to fix.? Here are six tips for understanding your credit report ? and how to correct errors ? when you?re preparing to buy a hom
Publ.Date : Tue, 30 Sep 2014 03:53:00 GMT

How to protect yourself and recover from Identity Theft
Your first step is to simply become proactive and monitor your credit. There are three credit bureaus that allow one free credit report per year: Equifax, TransUnion and Experian. You can periodically obtain your current reports, staggering your …
Publ.Date : Sun, 28 Sep 2014 13:22:00 GMT

Massive data breach hits Lafayette Jimmy John\’s
Consumers who may have been affected are advised to monitor their payment card statements and credit reports for fraudulent activity and consider filing a fraud alert with the three credit bureaus. Jimmy John’s is offering identity protection services to …
Publ.Date : Thu, 25 Sep 2014 10:55:00 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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