Fast, Free Credit Reports

A credit report, or credit history, is a record of an individual’s credit, whether good or bad. This report includes your credit score (a numerical value) as well as information about late payments and bankruptcy, if applicable.

A credit report includes information in the following areas: payment record, control of debt, signs of responsibility and number of credit inquiries.

Factors that contribute to a low credit score include:

• High amount of money still owed in open accounts
• Level of delinquency of accounts
• Too many current accounts with balances
• Account payment history too new to rate
• Too many accounts recently opened
• Too many inquiries within the last 12 months

Credit reports are used to determine whether a creditor will provide an individual borrower with credit. Insurance companies, potential employers, current creditors,potential creditors and government agencies all use credit reports.

Americans are entitled to one free instant credit report within a 12-month period. Many credit bureaus will charge a fee to receive your credit score in addition to your credit report. Some states, such as California and Colorado, require companies offer a free credit report to consumers who have been denied credit within the last 30 days due to their current credit rating.

Learn more about the best methods for raising your credit score. Fill out the form below and a representative will contact you shortly.