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 : Thu, 24 Jul 2014 12:08:00 GMT

7 Ways to Boost Your Credit Score – Huffington Post

 Your Credit Score
7 Ways to Boost Your Credit Score
Huffington Post
Your credit score reflects your ability to keep up with payments, so setting yourself up for success here is key. Put reminders on your calendar or set up automatic payments online so you minimize the risk of accidentally making a late payment. Of

and more »

Publ.Date : Wed, 23 Jul 2014 19:32:50 GMT

Here\’s How Your Credit Score Gets Calculated – Business Insider

 Your Credit Score
Business Insider
 Your Credit Score
Here's How Your Credit Score Gets Calculated
Business Insider
Credit, credit, credit ? we hear all the time how we need to have a good credit score. As the prime indicator of our financial trustworthiness, a clean credit report and high credit score tell lenders we are financially sound. While many consumers
Everyone Should Know the 5 Parts of a Credit Score; Do You?Wall St. Cheat Sheet
Yes, Credit Score And Credit Report Are Two Different ThingsTheStreet.com

all 2 news articles »

Publ.Date : Thu, 24 Jul 2014 03:43:18 GMT

How Medical Bills Can Hurt Your Credit Score – WFMY News 2

 Your Credit Score
WFMY News 2
 Your Credit Score
How Medical Bills Can Hurt Your Credit Score
WFMY News 2
But some medical bills could hurt your score even more than others. Nerd Wallet's Christina Lamontagne says, "Medical bills affect credit score, allowing them to go to collections, allowing them to linger can affect very responsible habits and a score

Publ.Date : Tue, 22 Jul 2014 04:15:55 GMT

How do student loans impact your credit score? – WRTV Indianapolis

 Your Credit Score
WRTV Indianapolis
 Your Credit Score
How do student loans impact your credit score?
WRTV Indianapolis
Yet one of the often-overlooked positive aspects of those "good old days" (for card issuers) was that those credit cards helped develop some first-time credit history — both good and bad — for many young consumers who might not have been able to

Publ.Date : Wed, 23 Jul 2014 18:44:32 GMT

Be smart when trying to improve credit score – USA TODAY

 Your Credit Score
USA TODAY
 Your Credit Score
Be smart when trying to improve credit score
USA TODAY
If you're working hard to build your credit, you've set your sights on a worthy goal. A stellar score will make it easier to qualify for a mortgage, get the best rates on insurance policies and set up utilities. In short, having a high credit score
Family finances: Boost your credit scoreDallas Morning News
Do You Need Credit Score Help?Motley Fool

all 6 news articles »

Publ.Date : Sun, 13 Jul 2014 10:16:57 GMT

How Student Loans Affect Your Credit Score – U.S. News & World Report (blog)

 Your Credit Score
How Student Loans Affect Your Credit Score
U.S. News & World Report (blog)
As with most other loans, you can give your credit score the biggest boost by making your student loan payments on time. It's worth noting that student loans are typically treated as installment plans by the three major credit bureaus ? Experian

and more »

Publ.Date : Mon, 07 Jul 2014 17:54:07 GMT

Debt ratios, not credit scores, are the most worrisome factor for mortgage … – Washington Post

 Your Credit Score
Debt ratios, not credit scores, are the most worrisome factor for mortgage
Washington Post
Surprise, it's not your credit scores. And it's not how much you've got for a down payment or what you have in the bank. It's your DTI ? your debt-to-income ratio. Nearly 60 percent of risk managers in the FICO study rated excessive DTIs as their No

Publ.Date : Fri, 18 Jul 2014 11:48:30 GMT

The Secret To Building A Great Credit Score When You\’re Young – Motley Fool

 Your Credit Score
The Secret To Building A Great Credit Score When You're Young
Motley Fool
According to myFICO.com, where you can obtain your actual FICO score (the credit score lenders use), there are five categories of information which make up your score. And, some of the smaller categories definitely put younger adults at a disadvantage.
Free credit scores: Help or hindrance?MSN Money
5 Things Mortgage Lenders Want to Know About Your CreditNASDAQ

all 6 news articles »

Publ.Date : Sun, 20 Jul 2014 16:00:44 GMT

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

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Updated :

The do\’s and don\’ts, how to prime your credit score before you house hunt
(BPT) – Spring is traditionally the busiest home-buying season of the year. And this year, with the housing market and economy finally starting to show signs of resurgence, many consumers are looking to buy. But although location, school district and the …
Publ.Date : Wed, 23 Jul 2014 13:02:00 GMT

7 Ways to Boost Your Credit Score
Trying to buy or rent a home? Looking for your next car? Thinking of enrolling in graduate school? A poor credit score can hurt your chances of success, whether you’re looking for private student loans or shopping for your next set of wheels. But if your …
Publ.Date : Wed, 23 Jul 2014 12:23:00 GMT

Here\’s How Your Credit Score Gets Calculated
Credit, credit, credit ? we hear all the time how we need to have a good credit score. As the prime indicator of our financial trustworthiness, a clean credit report and high credit score tell lenders we are financially sound. While many consumers have …
Publ.Date : Wed, 23 Jul 2014 21:36:00 GMT

How your credit score affects your loan approval
You?ve probably heard it before but it bears repeating: banks aren?t in the business of lending you money for their health or your happiness. They do it to make money. At the end of the day, it?s a business like any other so their focus is …
Publ.Date : Wed, 16 Jul 2014 01:00:00 GMT

Does Birth Order Affect Your Credit Score?
Siblings ? can?t live with them and can?t live without them. Chances are you have at least one sibling, maybe a handful of them. Depending on your birth order in the family, you have had to deal with certain circumstances in your life. For example …
Publ.Date : Mon, 21 Jul 2014 03:20:00 GMT

12 Simple Ways to Raise Your Credit Score
Could your credit score use a boost? There’s a lot at stake with those three digits. Your credit score can influence whether a landlord approves your rental application, how much you’ll pay in home and auto insurance rates, and the interest rate on your …
Publ.Date : Fri, 18 Jul 2014 15:34:00 GMT

Hedy\’s Hints: Understanding your credit score
Chances are that at some point in your life, you?ll want to purchase a home. In order to apply for a mortgage loan, the lender will have to obtain your credit report to approve the loan. According to a recent study by TransUnion, 70% of Americans have …
Publ.Date : Mon, 14 Jul 2014 21:00:00 GMT

How other people can potentially affect your credit score
For most of us, at some point in our lives it?s quite likely that we?ll end up holding financial products with another person. Whether married or in a civil partnership, or living with someone who is a partner or a friend, you may well have a joint …
Publ.Date : Wed, 23 Jul 2014 03:05:00 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 : Thu, 24 Jul 2014 12:08:02 GMT

3 credit score questions you never thought to ask – USA TODAY

 Three Credit Scores
USA TODAY
 Three Credit Scores
3 credit score questions you never thought to ask
USA TODAY
Each receives information about your credit-related behaviors and each creates a report based on that data. When banks are deciding whether or not to lend to you, it's common for them to average the three scores to come up with a comprehensive estimate …

and more »

Publ.Date : Sat, 05 Jul 2014 09:47:52 GMT

Yes, Credit Score And Credit Report Are Two Different Things – TheStreet.com

 Three Credit Scores
Yes, Credit Score And Credit Report Are Two Different Things
TheStreet.com
"Your credit score is separately requested and FICO generates the score by running the information in your credit report through our algorithm," says Sprauve. "This produces a three-digit number that reflects your likelihood to repay a future debt

and more »

Publ.Date : Thu, 24 Jul 2014 01:24:48 GMT

The Secret To Building A Great Credit Score When You\’re Young – Motley Fool

 Three Credit Scores
The Secret To Building A Great Credit Score When You're Young
Motley Fool
However, with just a little bit of effort and a decent understanding of how credit works, it's actually quite easy to build up a credit score in the "very good" or "excellent" range from scratch in just a year or two. Here is a "cheat sheet" that can
Free credit scores: Help or hindrance?MSN Money

all 6 news articles »

Publ.Date : Sun, 20 Jul 2014 16:00:44 GMT

How Student Loans Affect Your Credit Score – U.S. News & World Report (blog)

 Three Credit Scores
How Student Loans Affect Your Credit Score
U.S. News & World Report (blog)
The Fair Isaac Corporation publishes these scores, which is why they're also known as FICO credit scores, and the three credit bureaus use them as well. The higher your credit score, the better, and the more likely you are to qualify for lower interest

and more »

Publ.Date : Mon, 07 Jul 2014 17:54:07 GMT

A Guide to Your Credit History – U.S. News & World Report (blog)

 Three Credit Scores
A Guide to Your Credit History
U.S. News & World Report (blog)
Credit scores can vary for many reasons. First, the three main credit bureaus (Equifax, Experian and TransUnion) may have differing information about you. If one credit bureau is missing one of your accounts, it doesn't have your full credit history
Student loan aftermath: educating graduates on the importance of credit scoresSeaside Courier

all 3 news articles »

Publ.Date : Fri, 27 Jun 2014 12:36:20 GMT

Freddie Mac: 3 ways to improve your credit score right now – Housing Wire (blog)

 Three Credit Scores
Freddie Mac: 3 ways to improve your credit score right now
Housing Wire (blog)
If so, mortgage securitizer Freddie Mac recently posted a blog on three ways to improve your credit score, starting today. As the blog states: ?If you're thinking about buying a home, you need to be aware of your credit because it can affect your

Publ.Date : Fri, 11 Jul 2014 23:01:32 GMT

7 Ways to Boost Your Credit Score – Huffington Post

 Three Credit Scores
7 Ways to Boost Your Credit Score
Huffington Post
Your credit score reflects your ability to keep up with payments, so setting yourself up for success here is key. Put reminders on your calendar or set up automatic payments online so you minimize the risk of accidentally making a late payment. Of

and more »

Publ.Date : Wed, 23 Jul 2014 19:32:50 GMT

What\’s the (credit) score? Now it\’s free – Chicago Tribune

 Three Credit Scores
What's the (credit) score? Now it's free
Chicago Tribune
"We decided the secret black-box, three-digit number, which is all about you and your credit data, should be available," says Todd Albery, CEO of Quizzle.com, one of several services offering scores. Quizzle is an off-shoot of Quicken Loans

Publ.Date : Sun, 13 Jul 2014 10:04:47 GMT

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

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Updated :

6 Things That Drive Up the Cost of Your Mortgage
1. Credit Score Most lenders have a credit threshold of 740 or above. If the middle of the three credit scores the lender pulls is under 740 ? even if it?s 739 ? you could be paying slightly more in terms of interest rate and/or associated costs …
Publ.Date : Wed, 23 Jul 2014 04:22:00 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

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

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

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 04:28:02 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

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

How to Apply for a Mortgage: 7 Things You Need to Know
Many new home-buyers don’t know that mortgage lending requires a look at three credit scores, not one. Getting a “tri-merge” (a three-bureau credit score) costs $25 to $50, and it’s worth the cost to know exactly what your scores are. Show me the money…
Publ.Date : Sat, 28 Jun 2014 08:22:00 GMT

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

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

Free Credit Scores: Help or Hindrance?
Just look at the experience of Money Talks News? Stacy Johnson. He pulled his credit scores from three sources ? two of them from free online services and the third from FICO. Here are his scores: Credit.com (free) ? 830. Credit Karma (free …
Publ.Date : Tue, 22 Jul 2014 12:00:00 GMT

6 Things That Drive Up the Cost of Your Mortgage
1. Credit Score Most lenders have a credit threshold of 740 or above. If the middle of the three credit scores the lender pulls is under 740 ? even if it?s 739 ? you could be paying slightly more in terms of interest rate and/or associated costs …
Publ.Date : Wed, 23 Jul 2014 04:22:00 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 08:46:19 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 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 …
Publ.Date : Sun, 06 Jul 2014 01:00:00 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 17:23:28 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 : Thu, 24 Jul 2014 12:08:04 GMT

3 credit score questions you never thought to ask – USA TODAY

 Three Credit Bureaus
USA TODAY
 Three Credit Bureaus
3 credit score questions you never thought to ask
USA TODAY
That's because there are three major credit bureaus in the U.S.: Experian, TransUnion and Equifax. Each receives information about your credit-related behaviors and each creates a report based on that data. When banks are deciding whether or not to

and more »

Publ.Date : Sat, 05 Jul 2014 09:47:52 GMT

How to Dispute Credit Report Errors – U.S. News & World Report (blog)

 Three Credit Bureaus
How to Dispute Credit Report Errors
U.S. News & World Report (blog)
If you've never pulled your credit reports before, you may want to request all three to begin with and ensure that each one is error-free. Otherwise, pull a different report every four months so you can check up on your credit throughout the year. Keep

and more »

Publ.Date : Thu, 10 Jul 2014 12:46:37 GMT

The Credit Conundrum – National Mortgage Professional Magazine

 Three Credit Bureaus
The Credit Conundrum
National Mortgage Professional Magazine
Some consumers have even resorted to legal action to get the credit bureaus to fix inaccuracies. Approximately 2,249 Americans filed a lawsuit against one of the three credit agencies in 2012, according to CNN and WebRecon, the highest number of

Publ.Date : Mon, 21 Jul 2014 21:51:58 GMT

5 Common Credit Gripes — and How to Get Past Them – Motley Fool

 Three Credit Bureaus
5 Common Credit Gripes — and How to Get Past Them
Motley Fool
Although lenders and the three major credit bureaus make efforts to create an accurate report of your credit-related behaviors, mistakes do happen. In fact, a 2013 study by the Federal Trade Commission found that one in five Americans has an error on

and more »

Publ.Date : Sun, 20 Jul 2014 15:00:46 GMT

How Student Loans Affect Your Credit Score – U.S. News & World Report (blog)

 Three Credit Bureaus
How Student Loans Affect Your Credit Score
U.S. News & World Report (blog)
As with most other loans, you can give your credit score the biggest boost by making your student loan payments on time. It's worth noting that student loans are typically treated as installment plans by the three major credit bureaus ? Experian

and more »

Publ.Date : Mon, 07 Jul 2014 17:54:07 GMT

Family finances: tips to manage and improve your credit – Chicago Tribune

 Three Credit Bureaus
Family finances: tips to manage and improve your credit
Chicago Tribune
Hundreds of consumer-reporting agencies may be tracking you. Reports from the three major credit bureaus (Equifax, Experian and TransUnion) are commonly used to assess creditworthiness. But many more agencies track everything from how you've …

Publ.Date : Tue, 22 Jul 2014 19:47:07 GMT

Yes, Credit Score And Credit Report Are Two Different Things – TheStreet.com

 Three Credit Bureaus
Yes, Credit Score And Credit Report Are Two Different Things
TheStreet.com
"Credit reports are produced by one of the three credit reporting agencies and is the listing of your credit agencies," says Anthony A. Sprauve, FICO senior consumer credit specialist. Sprauve says that a credit report includes information such as open

and more »

Publ.Date : Thu, 24 Jul 2014 01:24:48 GMT

\’Hidden numbers\’ decide your interest rates – ActionNewsJax.com

 Three Credit Bureaus
'Hidden numbers' decide your interest rates
ActionNewsJax.com
According to the Federal Trade Commission, one in five consumers had an error on at least one of their three credit reports. Out of the 200 million credit bureau files, one out of 10 has an error that might lower a credit score. Florida Attorney

Publ.Date : Tue, 22 Jul 2014 22:05:54 GMT

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

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How to avoid identity theft
Also, reach out to the three credit bureaus ? Experian, TransUnion and Equifax ? and ask them to alert you if anyone tries to open an account in your name. But remember, you can do everything right and still be a victim of ID theft. ?If you are on …
Publ.Date : Wed, 23 Jul 2014 05:13:00 GMT

Why all Three Credit Bureaus Need Your Payment History
For 30 years prior to 2011, my wife and I paid off two mortgages though our local savings bank. Since that bank only reports to one credit bureau, our FICO score is low, even though we never missed a payment. Living in a new large city and trying to get a …
Publ.Date : Thu, 11 Oct 2012 06:09:03 GMT

Expert says more identity theft victims still out there
Kerskie recommends actively checking your credit report with all three credit bureaus: equifax, experian, and transunion, along with the Social Security Administration. She said the effects of having your identity stolen is more than just financial …
Publ.Date : Thu, 17 Jul 2014 20:13:00 GMT

Preapproved vs. pre-screened card offers: a big difference
I would also encourage you to pull your credit report once a year for free from each of the big three credit bureaus at annualcreditreport.com. See related: What exactly is a pre-screened offer?, How inquiries imact credit scores
Publ.Date : Wed, 23 Jul 2014 11:35:00 GMT

Three credit bureaus equal three different scores
Do you know your credit score? Most people expect to see three identical scores when they purchase a three-in-one credit report and are often surprised when they don’t. To clear up the confusion, the reason the scores are not the same is because each …
Publ.Date : Tue, 08 Jun 2010 17:00:00 GMT

myFICO Introduces the Only Consolidated Report of FICO Scores and Credit Histories Across All Three Credit Bureaus
SAN JOSE, Calif., Sept. 16, 2013 /PRNewswire via COMTEX/ — Amid a recovering U.S. economy, rising interest rates and stricter credit guidelines, people who understand their credit and manage their complete financial picture wisely are at a distinct advantage.
Publ.Date : Sun, 15 Sep 2013 17:00:00 GMT

myFICO Introduces the Only Consolidated Report of FICO Scores and Credit Histories Across All Three Credit Bureaus
Since lenders may pull information from any combination of the three credit bureaus, individuals can use FICO Score 3-Report View to identify meaningful differences that may be impacting their FICO Score, and preventing them from getting the best …
Publ.Date : Mon, 16 Sep 2013 05:30:00 GMT

The Credit Conundrum
In fact, one group in particular prefers consumers that have poor credit: the credit bureaus. America?s top three credit bureaus?Equifax, Experian and TransUnion?all collect consumer data on more than 200 million consumers in the United States and …
Publ.Date : Mon, 21 Jul 2014 18:48:00 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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