1. Unlimited access to your Credit Report for 60 days online
2. Automatic notifications of changes to your credit report
3. A detailed personal analysis
4. Details on who has reviewed your report

What You Get in Your Free Credit Report

Your free credit report is a comprehensive overview of your overall credit usage and credit history, including credit monitoring from all 3 major credit bureaus – TransUnion®, Equifax® and Experian®. You will be able to see if there were misspellings in your name or any other major errors affecting your credit report. In addition, your credit reports will be monitored daily and you will be notified of any changes that may hurt your credit.

• You also get the following features:
• Free credit monitoring from all 3 major credit reporting bureaus
• A detailed analysis of your credit history
• Details on who has viewed your credit report
• Unlimited access to your credit report for 60 days online

• Why You Need Credit Reports

A credit report provides lenders with an overall snapshot of your credit usage, and even potential employers are checking applicant’s credit reports.

Checking your credit report can also help to prevent against fraud and identity theft, which are among the fastest growing crimes today. The best way to prevent fraud is by checking your free credit report for any suspicious activity on your bank accounts, credit cards and loans.

Why Credit Scores are Important

Everyone checks on credit scores these days, and with a higher credit score you can gain access to the best interest rates on school loans, cars, mortgages, credit card offers, insurance payments and so much more.

Credit scores are calculated based on data in your credit reports and can fluctuate depending on recent activity, so it’s important that you are monitoring it on a daily basis.

• Differences Between Credit Reports and Scores

A credit report is an analysis of when and where you applied for credit, the lenders borrowed from and who you still owe money to. Your credit reports also monitor how much debt you’ve paid off and whether or not you are current on your monthly payments.

A credit score is a number-grade assigned to you based on the information in your credit report. Companies, banks and lenders all use your credit score to assess the risk of lending money to you, and the score determines the interest rates you will pay.

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