Order your $1 Credit Reports to get your FREE Credit Scores with your trial of credit monitoring. We provide daily monitoring of your credit report for new credit applications, changes to your name or address, and potential negative activity. During your trial, you'll receive:
- Access to your $1 Credit Reports and FREE Credit Scores online for 30 days
- Analysis of your credit history
- Email alerts when your credit history changes
Why Your Free Credit Scores Matters
Your credit score plays a very important role in your financial life. Your credit score determines the amount credit lenders will make available to you and the interest rates and payments on mortgages, credit cards, auto loans, insurance policies, and more.
The Difference Between a Credit Report and a Credit Score
Credit report is a detailed history of the loans
you´ve received and credit cards you´ve used that is offered by the
three bureaus once a year. If you´ve had collections, they may also appear
on any of the credit reports. For each account, the credit report shows your payment
history, current balance, credit limit, the date the account was opened, and whether
the account is open or closed.
Credit score is a three digit number based on the
information in your credit report. The bureaus factor in the number of years you´ve
had credit, how much of your available credit you´re currently using, whether
you´ve recently made any late payments, and how recently you´ve had
any negative actions or credit applications.
Why Your Credit Report Matters
First, your credit score is based on your credit report. Any incorrect information
could reduce your credit score. A lower credit score can cause your interest rates
to rise or you could be denied credit. Your credit report also lists past addresses
and employers. Credit report inaccuracies could slow loan processing.
A credit report is often the first place people detect identity theft.
By regularly monitoring your credit, you can reduce the damage from credit fraud.
Order Your Free Credit Scores
Order your $1 Credit Reports and Free Credit Scores today!
Try our credit monitoring membership free for 7 days. You can cancel at any time.
A Note on your Annual Free Credit Report:
Under federal law you have the right to receive a free Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A free Credit Score is not included.