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TODAY'S CREDIT TIP You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information ... Read more

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If you choose not to cancel the free trial, you will be billed only $9.95/month. If you choose not to cancel the free trial, you will be billed a $79.90 annual fee.

If for any reason you are not satisfied you may cancel at anytime during the 30 day trial period at no cost or obligation. The credit report and score are always yours to keep.

Note: pulling your credit report for your own review does not affect your credit score.

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HOW LONG DOES INFORMATION STAY ON YOUR CREDIT REPORT?

Generally, all your credit history information, good or bad, remains on your report for seven years. If you file for personal bankruptcy, that fact remains on your credit report for 10 years.

HOW CAN I CORRECT ERRORS IN MY CREDIT REPORT?

Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, contact both the CRA and the information provider. First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures. CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so ... Read more

WHY SHOULD I PERIODICALLY REVIEW MY CREDIT REPORT AND CREDIT BUREAU?

Identity Theft/Fraud: With identity theft on the rise in the United States, the number one reason to review your credit report at least once a year is to detect and stop fraud ñ before you need your credit report and applying for new credit.

Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.