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TODAY'S CREDIT TIP Each credit bureau may charge you up to $9.00 for a copy of your report. However, you are entitled to one free report a year if you can show that: your report is inaccurate because of fraud; you're on welfare; or you're unemployed and plan to look ... 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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CHECK YOUR CREDIT REPORT/ CREDIT BUREAU AND REMOVE ANY ERRORS.

Keeping an eye on your credit is very important to ensure accuracy. Some companies neglect to properly report changes in account status. It's up to you to make sure your credit history is accurate.

WHAT EXACTLY IS A CREDIT REPORT?

A credit report is a factual record of your credit payment history. It's provided to companies and individuals by credit bureaus for purposes permitted by law, usually to grant you credit. The main purpose of a credit report is to help a credit grantor decide whether to grant you credit based upon your credit payment history. A credit report is a report generated from your credit file (a database maintained by a credit bureau containing your credit history).

WHAT IS THE FAIR CREDIT REPORTING ACT (FCRA)?

The FCRA is designed to promote accuracy and ensure the privacy of information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.

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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.