Credit Reports - Credit Monitoring

Below you will see a list of companies that provide credit report services and credit checks. Do you know what is inside your credit report? Now you can find out by joining one of the credit report companies listed to start monitoring your credit report and credit checks on a monthly basis. Credit report agencies allow you to correct any credit report errors that might be in your file and also to keep an eye out for fraud. Credit bureaus gather information about you through credit checks from the first time you apply for a loan or credit card. This information is then accessed in a credit report by lenders and legitimate financial institutions whenever you make further applications for credit. Use the chart to compare the price of different credit report services.

If you wish to speak to someone: Contact Us

PROVIDERPRODUCTS

PRODUCTS

Products available

FREE TRIAL

FREE TRIAL

Free trial period

COSTS

COSTS

Cost of credit report subscription

CANCELLATION

CANCELLATION

Cancellation fees and time period

CREDIT REPAIR

CREDIT REPAIR

Credit rebuild options

TERMS

TERMS

Terms and conditions of credit report

MORE INFO

Free Credit Click
Free Credit Click

Credit reports availableYes7 daysAnytimeYesTerms

Terms

See website for terms and conditions

Free Credit Click
Free Credit Click will obtain your credit score from all three credit bureaus, TransUnion, Equifax and Experian. A good credit score can help you to obtain the most competitive interest rates. Knowing your credit score can also help you improve it you will gain a better idea of which loan are right for you. With Free Credit Click you will have unlimited access to your credit scores and daily credit monitoring is available. It is also wise to check your credit report frequently for signs of fraud. Requesting your own credit report will not affect your credit rating. DETAIL INFORMATION >>Services

Services

This is a fast and effient credit report finder


Advantages

Advantages

1.UNLIMITED acces to your Credit Scores
2.Daily Credit Monitoring & Alerts
3.Your Scores Delivered quickly


Disadvantages

Disadvantages

Free trial period only

Free Scores USA
Free Scores USA

Credit reports from all 3 bureaus7 days$29.95 per monthany timeNoTerms

Terms

See website

Free Scores USA
Get free credit scores from ALL 3 Bureaus with 7-day free trial – just enter your details and you receive your score within seconds. Become a member for just$29.95 per month and get daily credit monitoring & alerts. A good credit score helps to get better rates for any kind of loans and credit cards – so start monitoring it now to save lots of money! DETAIL INFORMATION >>Services

Services

Fast credit reports


Advantages

Advantages

1.Daily Credit Monitoring & Alerts 2.Your Scores Delivered in Seconds 3.Scores from all 3 bureaus


Disadvantages

Disadvantages

Only 7 days free trial period

TrueCredit
TrueCredit

Credit Report, Credit Score, Identity Theft and Disputing.30 Days$11.95AnytimeYesTerms

Terms

See website for terms and conditions

TrueCredit
TrueCredit has the information and resources you need to manage your financial profile. You can apply online for a TransUnion Credit Report and receive a 30 day risk free trial, after this you will be charged a low fee per month. To cancel your free trial subscription, simply telephone a service professional who will be happy to do this for you. With TransUnion you will get immediate access to your credit score and it is very secure. You will receive notification within 24 hours if there is a critical change to your credit so you'll stay informed. DETAIL INFORMATION >>Services

Services

TransUnion Credit Monitoring


Advantages

Advantages

1. Unlimited access to your credit reports AND credit scores with analytical tools
2. Quick and secure
3. 24 hour notification of critical changes to your report, so you'll always be informed
4. Up to $25,000 ID Theft insurance at no additional cost
5. Toll-free, easy access to specialists.
6. Cancel anytime if not satisfied.


Disadvantages

Disadvantages

1. After the 30 day trial you will be charged $11.95.
 

Credit Sesame
Credit Sesame

Free Credit ScoreNot applicableFreeAnytimeYesTerms

Terms

See website

Credit Sesame
Credit Sesame provides free of charge credit score and helps you to take control over your financial matters. Loans and debt information will, once you have registered, tracked and monitored automatically. This way you will know where you stand every month and maintain a clear overview and can begin to improve your debt situation. Banks and loans are constantly searched for you – every day you can check for offers which will help you to save money. You can apply online through their secure login. DETAIL INFORMATION >>Services

Services

Debt monitoring


Advantages

Advantages

1.Free advice
2.Free tracking and alerts
3.Free home value estimates
4.Free financial goal-setting

Credit Improvers
Credit Improvers

Credit Reports and Credit RepairNot availableFree Consultation – Cost Varies per caseAnytimeYesTerms

Terms

See website for details

Credit Improvers
Is your credit score keeping you down? Sign up for a Free Credit Repair Consultation. Credit Improver Agents are assigned to help dispute questionable negative items from your credit reports. Their credit experts can help you today. They will work with you by contacting both the credit bureaus and your individual creditors. All you have to do is simply sign up the form for a fee consultation and their credit experts will happily assist you. They can even help dispute certain items and get them removed from your report. DETAIL INFORMATION >>Services

Services

1. Sign up for the service
2. Talk to our Agents
3. Select items to dispute
4. Sit back and relax
5. Monthly payments will then be drafted each month after work has been completed.


Advantages

Advantages

1. Unlimited Disputes and Free Support
2. Refund policy
3. No hidden fees
4. Cancel anytime


Disadvantages

Disadvantages

1. Cost Varies on level of service

If you wish to speak to someone: Contact Us

Compare Credit Reports Services

Your Credit Score can be your best friend or your worst enemy.

What is a credit score?

Your credit score is a number which represents your creditworthiness which is based upon how likely you are to pay your debts. Your credit report is an important document that details all your financial history. If you are applying for any type of loan or credit then your credit score will affect the outcome. You will find the better your credit report, the better products you will have access to. In general those with a good credit report are more likely to me given more money with lower interest rates.

Who works out the credit score?

Most people don't know their credit score but it is important as all banks and lenders will perform some sort of credit check on you if you want credit. Credit scores are worked out by credit bureaus who adjust your information each time you borrow money or fail to pay it back. It is worth being aware that if you have never borrowed any money or obtained credit then you may not have any credit history which could prevent you from borrowing in the future. By occasionally using a credit card and making repayments on time you can improve your credit score.

Find out where you stand

It is worth checking your credit score so that you know where you stand when applying for credit. You can make sure that all of the details describing you are correct which can also help protect your against identity theft. You need to make sure all the information in it is correct and accurately reflects your financial situation. This is because any information that is inaccurate, out of date or wrong can adversely affect whether or not you can get the product you want.

How much do the credit bureau know?

Your credit report will tell a creditor everything about your existing accounts. This will include credit cards, personal accounts, and mortgages so you need to make sure that everything is in order. However savings accounts will not be registered so a lender will not be able to see if you have large amounts saved.

Pay money back on time

To keep your credit score healthy you need to make sure that all credit payments are made on time. Late repayments can affect your credit score negatively. If you receive a regular credit report then you can make sure that all of the information is accurate and up to date which can be very helpful to your credit score.

How to access your credit report

In the past you were only able to access your report by requesting a copy, now you can apply to view your credit report online with a subscription service offered by the main credit bureaus and credit report services. Many credit report services offer you a free trial period so that you are able to view your credit report for free. Remember to cancel your membership so you don’t get charged every month.

Credit Reports - Latest News News and Charts

New on which Way To Pay: TransUnion credit reports

10 December 2013
Which Way To Pay

With TransUnion you get access to your credit report and thus can find out where exactly you stand with your debt – for seven days this absolutely free!

READ ARTICLE

The Pros And Cons Of Using A Credit Report Service

27 April 2012 11:00am
Jack Stupple

Many people do not realise how much your credit report can affect you. A good credit report can be a valuable asset so you should ensure that the information is correct and up to date.

READ ARTICLE

Credit Reports

24 May 2011
Which Way To Pay

When you apply for credit or make a request to borrow money then a credit report is created for you. The report provides a history of your ability to deal with your financial obligations.

READ ARTICLE

Using a Credit Card to Build Credit

17 November 2010
Which Way To Pay

A credit card can offer you one of the easiest ways to build up your credit history.

READ ARTICLE

Can You Get a Military Loan with Bad Credit?

07 September 2010
Which Way To Pay

US military personnel can apply for a specialized military loan irrespective of where they are stationed – at home or abroad. Many applicants are worried about whether or not their credit past will be taken into account…

READ ARTICLE