Consumer Credit Report
Credit Reporting Bureaus are best in a particular geographic area.
Normally creditors try to use this best bureau for an initial credit decision.
Auto loans usually use this best bureau.
Mortgage companies usually pull all three for a final decision.
Some use the middle score, some use an average.
|Quick Credit FAQ|
|Up to 60% of people who check their free credit report find errors.|
|Credit Professionals recommend a credit check at least 2x yearly.|
|You may obtain a free credit check if you've been denied credit in the last 60 days or once annually.|
|There are 3 credit bureaus which collect information from major creditors. Equifax, TransUnion, Experian.|
|Your credit report lists all the accounts and payment history for the last two years; liens and judgements for 7 years; bankruptcy 10 years.|
|From your information a credit score is calculated. Credit Scores range from about 400-820. A score of 700 or above is very good.|