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Online Credit Reports
There are several reasons to obtain a copy of your credit report. Due to the increasingly high numbers of identity theft victims, several services are now available for consumers to view their FICO Scores and credit histories online. In addition, several of these offers also come with credit monitoring services. Even if you don't think that you have been victimized by identity theft, it is also useful to know where you stand from a lender's perspective. In preparation for the purchase of a new home, it is a good idea to know what brokers will see when evaluating your mortgage rates. On a smaller scale, if you are in the market for a new credit card or are looking to take on a car payment, credit reports are a good reference point for determining your options.
Credit Report & Credit Monitoring Options
Below are different services available for credit monitoring and obtaining your online 3-Bureau report and FICO Score. Select the offer that you would like and click the continue button. You will then be redirected to a secure server where you will be able to sign-up for the corresponding offer.
| Free Credit Report- This Free service brought to you buy Experian, one of the major 3 credit bureaus allows you to get your free Experian credit report as well as additional reports from Equifax and TransUnion. In addition, you will also receive a free 30-day enrollment in Experian's Triple Advantage credit monitoring program where you will be able to detect critical changes to your credit report as well as receive fraud alerts via email. This service is provided to you via freecreditreport.com, a division of Experian and Consumer Info. |
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Equifax CreditWatch Gold- This service costs $12.95 and allows you to view your Equifax credit report instantly online. You will also be provided with a list of companies who have recently reviewed your Equifax credit file and includes a confirmation number to dispute inaccuracies to your Equifax file via their toll-free number which is open 24 hours a day, seven days a week. Proceed to this offer. |
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| GoFreeCredit.com- This service gives you access to your credit report for up to 60 days as well as details to critical changes posted to your report. If you wish to continue the credit monitoring trial you may do so for an additional fee of $12.95 billed monthly to your credit card. |
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| Myfico.com- The services at Myfico.com range in price from $15-$120. With an array of services ranging from credit score reports to fraud monitoring, myfico.com provides consumers with many tools for those who have damaged their credit in the past or have been victims of identity theft to monitor their progress. |
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| Creditreporting.com- This is a reseller of credit reports from all 3 credit bureaus. You may purchase the package deal for $34.95 and have the option to view it online or print it out for later use. This credit report service is not recommended. |
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Contacting The Three Credit Bureaus
You may contact any of the three credit bureaus to contest your report. However, it is highly recommended that you have a copy of your credit report handy before doing so because you will be required to answer particular questions about your report for security purposes. Though this may seem like a hassle, it is necessary for your protection.
Experian: 1-800-916-8800
Equifax: 1-888-766-0008
TransUnion: 1-800-680-7289
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