Compare Services for Free Credit Reports.

Reviews Of Top Free Credit Report & Score Sites. We've Tried Them All - Highlights: BBB Accredited Business, Provides E-Mail Alerts
Free Credit Score

Credit Report

A credit report is an equivalence of a report card on the management of your finances. It is a collection of detailed information on how you pay your bills, the amount of debt you have accumulated and how frequently you settle them as well as your bankruptcy status. The report includes your credit activities, your loan/debt settling history and your credit status. The credit activity history entails the accounts in good and due standing, account details in relation to high balances, credit limits in the past reports and information of accounts reclaimed by credit agencies. Credit reports maintain negative credit information for seven years.

A credit report can only be accessed only once in a year according to the Fair Reporting Act. The US federal law allows the credit report bureaus to supply customers and consumers with a free credit report in case any company or an individual has pursued an adversarial financial action against them. The act also allows employers to request a credit report of a potential or current employee but with permission from the employee. In this case the employer pays the bureau for the report.

The Fair Reporting Act permits three major credit bureaus to collect individuals’ credit information. They provide credit reports to insurance companies, banks, lenders and other organizations legally permitted to receive individuals’ credit reports. The credit reports are updated monthly as banks, lenders and other financial based firms send updated records to each credit reporting agency after every 30 days. The three credit reporting bureaus are TransUnion, Experian and Equifax.

Top Background Check Companies

$1
7 day Trial
$1
7 day Trial
$1
7 day Trial
$0
7 day Trial
$0
7 day Trial
$0
7 day Trial
$1
7 day Trial

Disclaimer: We work hard to offer you valuable and reliable information about all of the products and services we review. In order to provide you with this free service, we use links on our site that provide us with commissions for referring you to the seller's site. We guarantee that this does not influence the material we present, but may influence the positioning on our site, and only supports our efforts to offer you the best and most relevant information possible

Copyright © All Rights Reserved 2021 www.top10freecreditreport.com
By using our content, products & services you agree to our Terms of Use and Privacy Policy.
HomePrivacy PolicyTerms of UseCookie Policy
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram