Credit Reports

Applying for a Loan? -- Start by Ordering Your Credit Report

Why do I need one?

If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate.

Discover the activity of an identity thief.

Identity theft is the nation's fastest-growing crime, affecting an estimated 500,000 to 700,000 people per year.

The Social Security Administration reports that the number of stolen identities has quadrupled in the last three years. It happens when a thief assumes your identity and opens new accounts, changes your billing address, and accumulates bad debt in your name. Checking your personal credit report regularly is one of the best ways to guard against identity theft.

By checking your credit report, you’ll find out if new accounts have been activated in your name and whether or not derogatory information has been added to your report.

We highly recommend TrueCredit for the best online credit reports because they're concise and very easy to read. TrueCredit also offers the following products individually or as add-ons to you credit report.

• Online 3-in-1 Credit Report – The most complete picture of your credit available.  Information from all three national credit bureaus.  Available online in seconds.
• Consumer Credit Report – An online snapshot of your credit history with easy-to-read color coding.
• Credit Monitor – Defend yourself from the fastest growing crime in America, identity theft.  Protect your credit from inaccuracies while working to improve your credit standing. 
• Credit Score & Analysis – Includes specific factors that are increasing and decreasing your credit score.
  • How does credit scoring affect me?
• Borrowing Power Analysis – Allows you to see how lenders view your ability to borrow.  Includes your debt-to-income ratio and provides you with specific examples to assist you with debt management.

Other Credit Report Sources

• TrueCredit - In our opinion, the best credit reports are available here. Easiest to read!

• EQUIFAX - Equifax compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history including your FICO score. Now you can view your credit report online enabling you to monitor your credit and monitor your score while protecting yourself from identity theft. Before making major purchases, such as buying a home or car, you can see exactly what information is available to potential lenders. Learn more about credit management and ways to protect your identity by visiting our homepage at Equifax.com

• Online Credit Info