Unlimited access to ALL THREE of your credit reports and credit scores.
Notification within 24 hours of critical changes to all 3 reports.
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3-in-1 Credit Report
Lenders usually check your 3-in-1 Credit Report, the most complete picture of your credit history available. With data provided by all three national credit bureaus—Experian, Equifax, and TransUnion—you'll know the full story.
Find out what personal information the credit bureaus have in your file.
Make sure all three credit bureaus are reporting your correct name, address, and employer.
Watch out for incorrect addresses—this may be a sign that an identity thief has redirected your mail to a false address.
Understand your credit file with an easy-to-read summary of your report.
See all of your essential credit report information at-a-glance.
Make sure all three credit bureaus are reporting accurate information.
Watch out for inaccuracies that could negatively impact your credit standing.
Get detailed information about all of your loans and credit card accounts.
Is the account open or closed?
What is your monthly payment?
What is your total balance?
What is your maximum limit?
Have you ever had any late payments?
Make sure the information is accurate and up-to-date, consistent between bureaus.
Watch out for accounts that are not familiar—these could be accounts that were opened fraudulently in your name.
Discover who's been looking at your credit report.
Make sure you've authorized all of the inquiries.
Watch out for names of companies that are not familiar—if you haven't authorized the inquiry, it may be a sign of fraud.
Note: When you personally check your credit report with TrueCredit.com, the inquiry that is recorded will not adversely affect your credit standing.
Get contact information for all of your creditors.
Use the addresses and phone numbers to contact them in case you identify issues that need to be resolved.
Did you know that you have three credit reports, and these credit reports are not necessarily the same? Your credit reports can contain different information because lenders and creditors may report your accounts to one or two of the three national credit bureaus who report data independently. By checking all three of your credit reports, you can make sure you are maintaining a healthy credit profile. And a healthy, active credit profile can be the key to obtaining low loan rates. This is because lenders use credit reports to see how consumers have utilized their credit in the past.
If you have been responsible with your accounts and have been able to pay your debts on time, then chances are you are doing well with your credit. However, sometimes credit reports contain inaccurate data that can hurt your credit score. Also, checking your credit report can key you in to potential instances of fraud and identity theft.
Here are the various parts of your credit report, and what you will find in each section: 1. Consumer information: This section of your credit report includes your name, birth date, address and employer. 2. Consumer statement: This is a short message you have asked to be placed on your credit report; this could be a fraud alert or an explanation for a late payments that occurred during a period of time. 3. Accounts histories: Detailed information about real estate, installment, revolving credit or collection accounts; each record included the date the account was opened, high balance, terms and your 7-year payment history. This is a very important section of your credit report. 4. Public records: This section of your credit report may include records of bankruptcy, tax liens or judgment filings. 5. Inquiries: Each credit report contains a list of companies who have accessed your credit history for the purpose of an application in the last two years. 6. Creditor contacts: The final section of your credit report contains mailing addresses and phone numbers of your creditors. This is handy if you need to contact a creditor.
