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Credit Scores and Reports from Major Credit Bureaus

The first thing you should do before applying for a credit card is to check your credit reports and find out your current credit scores. Today there are three major and well known consumer reporting agencies (credit bureaus in other words), they are Equifax, Experian, and TransUnion. Most credit issuers report credit activity to these three credit bureaus monthly, some report to only one of them.
Service Name Credit Bureaus
Monitored
Free Trial
Term
Monthly
Fee
Get Credit Reports & Scores
Equifax,
Experian,
TransUnion
Always free See terms
  • No purchase or credit card required.
  • Checking your own Report doesn´t hurt your credit.
  • Report refreshed every 30 days on sign in.
Equifax,
TransUnion
Always free No
  • Your Credit Scores Should Be Free. And Now They Are.
  • Get Your Absolutely Free Credit Score.
  • Stay on Top of All of Your Accounts in One Place.
  • No Trials. No Credit Cards. Truly Free.
Equifax,
Experian,
TransUnion
7 days $29.95
  • Instantly Access Your Credit Score
  • Monthly Membership for just $29.95 after free trial until cancelled
  • Secure Online Delivery
  • Daily Credit Monitoring
  • Roadside Assistance
Equifax,
Experian,
TransUnion
7 days $21.95
  • Find out now when you check your Credit Report for $1.
  • Checking your own credit will NOT lower your Score.
  • 90% of top lenders use FICO Scores.
  • Toll-free support available 7 days a week.
Equifax,
Experian,
TransUnion
7 days $39.95
  • Credit is a determining factor when applying for credit cards.
  • Check your scores and view your reports in seconds.
  • Protect your scores with daily monitoring and alerts.
  • Get your free credit scores with a 7-day credit monitoring trial.
Equifax,
Experian,
TransUnion
7 days $19.95
  • UNLIMITED updates to your TransUnion Credit Report and Score
  • Email updates of critical changes for ALL 3 bureaus
  • Lock and Unlock your TransUnion Credit Report
  • Personalized Debt Analysis and Credit Score Trending.
  • Up to $1,000,000 Identity Theft Insurance.
Equifax,
Experian,
TransUnion
See terms
  • Online Access in minutes.
  • Checking your own credit will NOT lower your score.
  • Help spot the early signs of Credit Fraud & Identity Theft.
  • Get Your Free Credit Score & Credit Report for $1.
Equifax,
Experian,
TransUnion
See terms
  • Get your FREE TransUnion Credit Score™ & $1 Credit Report
  • Also receive a free trial to TransUnion 3-Bureau Credit Monitoring
  • 24/7 credit file monitoring and alerts of key changes to your Equifax, Experian, and TransUnion credit files.
  • Ongoing access to your TransUnion Credit Score™
Equifax,
Experian,
TransUnion
See terms
  • Check your Credit Scores Experian, TransUnion & Equifax.
  • 24/7 Credit Monitoring at all 3 Credit Bureaus.
  • Stop fraud with automatic Triple Bureau Credit Alerts.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Credit Card NEWS

Experts Warn Against Store Credit Cards
November 30, 2016

It’s the season for buying and receiving gifts, getting together with family, and making memories. But that’s not all people do during the holiday. Recent research from credit bureau TransUnion shows that this is also the season for signing up for store credit cards[...]

Expert Q&A

Q:I am full-time employee. I am at poor credit rank <600. My monthly [...]

Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lend[...]

Credit Scores and Reports: how do the things work?

Credit reports are compiled by credit bureaus and contain information about your credit history. This information includes: the status of the credit accounts, payments history, amount of available credit, amount of credit in use, bankruptcy records and some other negative public records. The information in your credit reports influences your credit scores.

The credit reports can be requested at no cost once every 12 months. You can choose to request reports from the credit bureaus all at once or one report at a time. If you choose to get your credit reports separately, you can monitor your credit file at no cost more frequently during the year.

But your free credit report does not include your credit score. You usually have to pay if you want to get your credit scores. The credit score is a number which helps creditors to predict your ability to pay back. You can buy your credit scores from the same credit bureaus, but you are not required to purchase credit protection, identity theft monitoring, or other services you may be offered.

So why do you need all this stuff?

Keeping credit reports in good standing and credit scores high is important because these are the first things credit issuers check when deciding whether extend you credit or not. The reports help them to determine the amount of the loan and the interest rates. So the better your credit report and the higher your credit score, the more advantageous credit terms you will be offered.

Not only lenders and credit card issuers use your credit report. Insurance companies, rental agencies and even your future employer can request your credit report before making any decision.

Getting and keeping a good credit score is not a big deal as some may think. You just need to pay all your bills on time. You should be moderate and not to use too much of the available credit. You shouldn't apply for the card you do not need and should keep information in your credit reports correct.
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