Credit Reports / Credit Monitoring

Whether you're planning on buying a home, a new or used automobile, or just need a credit card, the first step is to order a credit report.

An estimated 750,000 people fall victim to identity theft each year, and the Federal Trade Commission reports that identity theft is the leading consumer fraud complaint tracked by law enforcement agencies around the country. The numbers have are increasing each year!

Mistakes, theft, and overlooked obligations can cause unexpected damage to your credit history. We can help you with monitoring your credit to inform you of problems before they get out of control. Even if you have a good credit history, it's a good idea to conduct your own credit check-up, especially if you're planning a major purchase, such as a home or car. Checking in advance on the accuracy of the information in your credit report could speed the credit-granting process.

We recommend only getting one to two credit reports per year since it does show up negatively when you order your report too many times. It counts as an INQUIRY on your report which can damage your score if done too often. One or two times a year will not hurt and will help you keep close tabs on managing your personal credit.
 

It is practical and most important to have good credit when applying for a job, changing careers, opening up a bank account, faxing in an application for an apartment and more. Today credit is so important the car rental and auto insurance companies look at it to determine what your best driving rate can be. Even the hospital looks at your credit and the hospital can ruin your credit as well. Not paying off hospital bills can lead you to serious credit blues. If you need to pay off bills like medical or consolidate loans look into our loans department which is perfect to settle any of those debts and they normally run you a credit report anyway.

We can help you get into a Equifax credit report that consists of the three credit bearus which are equifax, experian, and transunion. Equifax has a special credit report where you can view them 3-in-1, view your credit history as reported by the three major credit reporting agencies and see your FICO Credit Score based on your Equifax Credit Report. Equifax (NYSE:EFX), is a 104 year old S&P 500 company enabling and securing global commerce.

Below are a few helpful phone numbers to order a free credit report once a year: