Access to an annual credit report through each of the three reporting bureaus is mandated by law. Legally you can request a free report from each agency once a year. What many people don’t realize is that this report omits some of the most important information needed when managing your credit – your score.
In addition to not including your score with your annual credit report, you are required to pull three separate reports from three separate bureaus. This may give you some of the information you want, but matching up the free reports to ensure there are no errors between the three different bureaus can be difficult if you do not deal with credit and are not familiar with credit reports and their layout.
When lenders pull your credit report to make a lending decision, they pull one tri-merge report. This one report has information from all three bureaus included on one easy to read credit report. In addition, they get your actual credit score from each of the three bureaus, along with information on three of the most heavily weighted factors that went into your scores.
This is all important information, and information many consumers do not even realize they are missing out on when taking advantage of a free annual credit report. As a solution, you should consider obtaining a tri-merge credit report, with scores. This gives you the most accurate information, and allows you to look at the same snapshot of your total credit picture that a potential lender will be looking at. If you really want to improve your credit, isn’t it important that you have the right facts to start with?
We offer access to your full credit reports and scores through the form above. So many people don’t manage their credit, and simply pay too much whenever they take on debt. Don’t be one of the followers, get informed about your credit and empower yourself to take action.
In addition, we have a special free downloadable report, three credit tips to raise your score fast. Go download it now. In conjunction with a current, accurate credit report, you can take action today to start increasing your credit scores.
Don’t be fooled by the promises of an annual credit report, it really does not contain the most important information. Why the powers that be want to keep that information from you, I certainly don’t know, but we all know that lenders base decisions on credit scores. If you’re going to get a free annual credit report, why would you want one without your scores?
