Get Your Major 3 Credit Report

Many institutions need to know your 3 Credit Report before they will approve of you, and so knowing your Credit record can give you a heads up on your chances of receiving all kinds of services. For example, a home loan will not be given if you have a bad Credit score, and will neither insurance, a Credit Card with a low APR, or some times even a lease on a house of car. So knowing your 3 Credit Report can be a short cut to save you time applying to services that you will not receive.

A 3 Credit Report can be useful for a variety of reasons. There are 3 major Credit Reporting agencies: Experian, Equifax, and TransUnion, and each of them has their own information about your Credit, in order to get a real good Credit Report, you have to use all 3. Fortunately, you can get a 3 Credit Report for around $24, and this will tell you all you need to know about your Credit Score.

There are many ways you can improve your Credit Score. One of them is to own Credit Cards and regularly pay off your payments to show that you are reliable and can be trusted with Credit. If you regularly pay off your balance, and are on time with gas, phone, electric, and utility bills, this also can help. In the long run, it is worth it for you to keep your Credit well, because it means you qualify for better interest rates, bigger lines of Credit, and all kinds of other financial benefits that you wouldn't have otherwise. Really, it is easy and you have nothing to lose.

Another thing about knowing your 3 Credit Report score is that it can show you if someone has been defrauding you or stealing your identity. If, for example, someone has been getting accounts in your name and not telling you or paying them, they will show up on your 3 Credit Reports as a bad score. This will let you take appropriate legal action to get them removed from your record and to get the person who did it by calling the cops.

Getting the bad fraud charges off your 3 Credit Report score can be a major hassle. Once my friend had serious charges on her 3 Credit Report because someone was filling for a Cellphone using her name from Detroit, and the company would not believe it was not her, even though it was a different residence.

To get them to believe it, she had to produce several pieces of identity and mail, as well as her home title to show where she was living. They would not believe the address was what she said, until she showed them lots of proof. What a hassle.