Bad Credit
homecredit & debt assistancecredit cardsdebt assistancehome financeinsuranceloan informationvehicle finance
credit reports
credit repair help
equal credit oppurtunity act
fair credit reporting act
understanding your credit
reasons for credit denial
credit tips
link to us
site map

Credit Reports - Learn how to start improving your credit today.

Select ONE Of The Credit Report Options Below:

Free Credit Report!
Credit Report From All
Three Credit Bureaus!
Monitor Your Credit!
  • Your Equifax,
    TransUnion OR Experian credit report and score
  • One on one customer support
  • Easy to use credit improvement tool
  • Early warning fraud alerts via email

  • Review your information from all three credit bureaus
  • See your credit files and scores
  • See your loans and credit info
  • Discover who has been reveiwing your credit report
  • Receive creditor & lender contact info
  • Detect possible identity fraud issues
  • CreditProtectX3 - is the most comprehensive credit monitoring solution
  • Monitors - Equifax, Experian and TransUnion
  • Quarterly credit updates
  • Up to $20,000 in identity theft insurance
  • Live credit education specialists

Understanding Fico Scores

Fico scores are the pivoting criteria in order for a lender or creditor to extend you some kind of loan or line of credit. No one really knows the mathematical model to calculate this three digit number.

We do know that the following factors affect your fico scores:

  • Outstanding accounts : The more the debt you have also known as high income debt ratio, the higher the risk you are and this lowers you Fico score.

  • Derogatory Information : The most recent two years of credit history are weighted higher than past history.

  • Credit History : The longer the credit history or account is established the better. Your employment on your report also is a plus, the longer you have been working at an employer the better. Beware of open credit, open credit are those accounts that are open with no debt and have not been used for over one year. This may count against you when applying for any credit. The lender or creditor may say that you can theoretically max out these accounts and higher you income to debt ratio.

  • Use of credit : The fewer the credit accounts open the better. Additionally, the less credit inquiries the better the Fico scores. If there are many credit inquiries or credit check the lender may think you are trying to open numerous accounts.

  • 750 and above Excellent A++
  • 680 to 750 Very Good A+
  • 620 to 680 Good A
  • 580 to 680 Above Satisfactory B
  • 550 to 580 Satisfactory B-
  • 480 to 550 Below Satisfactory C
Credit Reporting Agencies

Experian Credit Information Service
PO Box 2002
Allen, TX 75013-2002
Click here for the Experian Home Page

Equifax Credit Information Services
PO Box 740241
Atlanta, GA 30374-0241
Click here for the Equifax Home Page
TransUnion LLC
PO Box 1000
Chester, PA 19022-1000
Click here for the TransUnion Home Page


© 2019