†After your trial period, you will be billed $17.99 per month unless you call to cancel. You may call to cancel your membership at any time. Your credit scores are brought to you by CreditXpert, and are based on data provided by the 3 credit bureaus.
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At CreditReporting.com we help people understand the reporting process including how to get their reports and scores from the three national consumer report agencies - Experian PLC, Equifax, Inc. and Transunion Corp.
3 Credit Reports: For you, we provide information on obtaining your reports from the three national credit bureaus for reasons such as your own curiosity, disputing inaccurate items in your report, protecting your credit from identity theft, for life events such as divorce or bankruptcy, or even for obtaining a report to show a potential landlord. We will even show you steps you might take to dispute items at each credit bureau for items in your reports that are not accurate, without having to go to sometimes costly and sometimes unethical credit repair companies.
Free Reports: For consumers seeking their free annual credit report under the Fair and Accurate Credit Transactions Act, code name FACTA, we have info about that and what to do if you do not want to apply online for your free report or use a credit card on the Internet. Plus, you should know you can get a free report when you are denied credit based on the contents of your report.
3 Credit Scores: We provide you with articles about your 3 credit scores, and how to obtain 3 scores online, We explain the different types of credit scoring, show you how the scores are computed, and provide information which you can follow to achieve your best score possible. What about the FICO credit score?
3 Credit Bureaus: There is a section on 3 credit bureaus, those companies who store the credit information in this country and provide the information to companies permitted to access your credit for purposes such as mortgage loans, auto loans, and credit cards. Plus, besides the 3 main credit repositories, there are other consumer reporting companies that are important in the credit bureau system that affect both consumers and businesses.
Business Credit Reports: Our newest section is being developed to provide some insight into business reports, landlord and rental reports, and reports for employment and/or pre-employment. There's a lot there, and this section is just developing, but consumers and businesses should be alert to their rights and responsibilities in these areas.
Identity Theft: We devote a section of the site to identity theft, as it has become not only a major source of criminal activity but also a huge source of consumer frustration. With topics like how it happens, how to prevent it, and how to recover from identity theft, you will also find out how to put a credit freeze or fraud alert on your credit file.
Fair Credit Reporting Act: The Fair Credit Reporting Act, aka FCRA, is the main law as it relates to credit reports and the rights and responsibilities of users of credit reports, providers of credit information, and the rights of consumers who are the subject of the report. We provide a summary of the FCRA law, the full text of the law with unofficial interpretations of the sections of the law, as well as providing frequently asked questions about the law with our best attempt to answer those questions.
Blog: To keep up with new articles, changes to our site, press releases, and general credit reporting news, visit our Blog page, or better yet subscribe to one of our social channels at Twitter, Facebook or Google+ to receive the latest updates on our site. Plus we have a YouTube channel where we expect to add videos related to important sections of our site.