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Best Credit Reports Online
 Aug 05, 2004


One of the most important things you can do is to check your credit report and credit score regularly. This allows you to keep track of your credit history and fix or repair any errors on your credit report. This article will review the best credit reports online.


Keeping on top of your credit history is important for two reasons:

  1. You can head of identity fraud. When you know what is in your credit report, then you can watch to see if something pops up that you did not authorize.
  2. You can avoid nasty surprises. Sometimes, you may not be aware that changes need to be made until you apply for credit and are denied. Checking your credit report can allow to fix mistakes and to prepare if you know that you will be applying for a loan at any point in the near future.

Getting consumer credit reports online

One of the easiest ways to access your credit report is to do so online. From the comfort of your home, you can get access to your credit report almost instantly. Rather than ordering your credit report through the mail or over the phone and then waiting for it to arrive, you can look at your credit report within minutes of logging on.

There are several places you can go to start looking at your credit report:

AnnualCreditReport.com: This is the site that the three major credit bureaus set up in response to a law passed not too long ago. This law mandates that you have access to a free credit report from each of three major bureaus (TransUnion, Equifax and Experian) each year. You can enter each credit bureau's site from that one portal, and access your free report. You can get all three at once, or you can stagger them throughout the year.

True Credit 3-in-1 Credit Report: This is a service offered by True Credit, which is one of the products offered by TransUnion. The 3-in-1 credit report offers information from all three major credit reports. This can be helpful, because it allows you to compare the information found in each report. There is a fee associated with the 3-in1 report, however. For an additional fee, you can also add a look at your credit score, as well as the option for the Borrowing Power Analysis. Note that for a smaller fee, you can access the TransUnion credit file only.

Equifax Credit Profile: Your Equifax credit profile is a detailed report of all of the information that Equifax has with regard to your credit history. It includes the accounts you have opened, your payment history, public records information and even your employment data. You can also dispute any mistakes online, making it easy to get your credit report fixed. This costs a small fee. For an additional fee, it is possible to view your Equifax credit score. Also, you can pay for a three in one report from Equifax.

Experian Credit Profile: If you are looking to see what specific information Experian has on you, you can access your credit history through the Experian consumer services Web site. Like the other credit files, detailed information about your credit history and financial habits appear. You can also dispute information, pay to see your score, or order a three credit bureau report.

ConsumerInfo.com 3 Bureau Online Credit Report: This is a service that offers a three in one credit report for a fee. This can be helpful, since it makes it easy to compare the information in all three reports. Additionally, each of the reports from ConsumerInfo.com comes with a Credit Report Key that explains, in-depth, what the information in your report means, and how it affects you.

CreditReporting.com 3-in-1 Credit Report: This is yet another service offering consumer credit reports on online. The report can be delivered online, but you can also get mail or fax delivery of a hard copy. The three major credit bureaus are included in this report, and the Web site contains a variety of useful and informational articles on credit and debt.

MyFICO.com 3-in-1 Credit Report Plus Credit Score: One of the key factors that banks use when deciding whether to give you a loan is your FICO score. This is a score from the Fair Isaac Company. While the credit bureaus do assign you a score, they use their own scoring systems, and what they provide is not your FICO score. If you are interested in your FICO score, plus all three credit reports, you can obtain them through MyFICO for right around $50.

CreditScorereSource.com is a website designed to answer commonly asked questions related to credit and credit scores. On this site you may search for answers related to purchasing a home, leasing a car, refinancing, how things such as phone, tv, and utilities affect your credit, and much more.

CreditKarma.com: This Web site can point you to helpful information about your credit report, but does not actually provide your report. It does, however, provide you with a free credit score. This credit score represents a composite of your scores with the three major credit bureaus, so it is not perfect, but it does give you a general idea, free of charge, of what your approximate credit score is.

Be wary, though, of companies that promise a free credit report from all sites and a free score and then ask for your credit card. Chances are that these companies are offering credit monitoring services, and you only get a free report when you sign up. You might find yourself getting charged a monthly fee.



Related Article: Credit Repair Services >>



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