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Credit Report - Why You Need ItBefore you begin the car buying process, you must find out exactly what your credit history is, as well as your current score. Bad credit history can mean extremely high rates on car loans and car insurance, or even worse, could result in you getting turned down altogether. Finding out exactly where you stand is the first step in ensuring that you are a risk a creditor is willing to take. They're not going to extend a loan to someone they don't think is going to be able to pay them back, and you can't really blame them. How do you protect yourself? Check your creditworthiness with a credit report from one or all of the three major bureaus. They are Experian, Equifax and Trans Union. These credit bureaus gather your history in huge databases, and sell this information to banks and other lending institutions. These companies want to know your credit worthiness before they agree to extend you a loan or cover you with insurance. We have researched hundreds of credit report providers and repairers and found the best companies offering the best services. Take a look and decide which one is best for you. 3-in-1 Credit Reports * Top Recommendation TrueCredit 3-in-1 Credit Report This comprehensive credit report contains all of the credit information you need from all 3 major credit bureaus: Experian, Trans Union and Equifax in one report. This is a great option because each one of these agencies could have significantly different credit history information on you. Your best bet is to check your credit history with all three, so you get a full picture of your credit history and current credit rating. TransUnion Three Bureau Score Report This includes access to credit information from three national agencies plus a free credit score. You also have the option of adding two credit scores as well as debt analysis which compares your monthly income to your monthly expenditure, revealing your debt to income ratio. Free Credit Monitoring - Free Credit Reports * Highly Recommended Credit Manager Offers a free 30-day trial of credit manager with unlimited access to your credit report and score, constant monitoring to detect any fraud, credit score help and credit advice. This is a great way to learn all about your credit history, check your credit and make sure there are no errors or mistakes on your credit report. Credit Reports and Credit Scores * Highly Recommended Free Credit Score Free Credit Score offers you credit reports and credit scores instantly. Find out how lenders view your history and how changes can affect rating. Click on the links above to learn more about credit reports and what you can do to make sure your credit history in is in order. |