No matter where you stand financially, your credit report will help you be a better spender and a better borrower of money, both for loans and credit cards. We offer a unique free credit report that features much more than just a simple piece of paper telling you where you stand. With our fast online credit report, you'll be able to verify and review all your credit account information from the last 7 years of your borrowing history, giving you a terrific birds-eye view of where you stand.

Our 3-in-1 credit report pulls the unique records from the main 3 credit reporting organizations; Equifax, Experian, and TransUnion. Since every company that you deal with works with a different credit reporting agency (also called credit bureau), it's important that you gain insight from all three of these reports. Some information may match perfectly, but wherever there are differences, you need to know. These differences can include how often your credit is being requested, how much credit you have access to, and how well you're using the credit that you've earned.

The next feature of our credit reporting services is the 3-in-1 credit score feature, which provides you a quick and simple number to help you understand your future credit and borrowing opportunities. Your credit score will be calculated by a standardized method. The most common method is called your FICO score. Your FICO credit score is calculated using several factors, including your payment punctuality and tardiness, your total outstanding debt and credit, the amount of credit history that you've accumulated, the different types of credit that you've used, and numbers of times that your credit record is accessed and new credit amounts. While this may seem like a lot for you to manage, the total FICO score is provided easily in one simple report, letting you understand just where you place overall.

The problem with most credit reports today is that once you have the information, you might not know what to do with it. Fortunately, we've partnered with a world leader in credit report monitoring and alerting functions, so that you can learn not only what to do with your existing credit situation, but you can also keep track of what changes are being made to your credit score along the way. This service is especially popular with homeowners or soon to be homeowners, because small movements in your credit score can save you or cost you potentially thousands of dollars along the way.

Click here to access your free credit reports