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Credit Report Education Know-how

Get a FREE Credit Report from FreeCreditReport.com. Make informed decisions to build or maintain a solid  credit rating. Order your FREE Credit Report!

And that's not all...along with your INSTANT credit report, we’ll give you 30 FREE days of the CreditCheck ® Monitoring Service at no obligation.

You work hard every day to make a living and support yourself and/or your family. If you track your credit report and credit scores, then you can keep your credit clean so you can enjoy the benefits of all of that hard work.

We're convinced that once you've tried the CreditCheck Monitoring Service on a FREE trial basis, you’ll want to continue with this vital service for staying on top of your credit. But if you don’t, that’s okay too--there’s no obligation and no commitment. And your INSTANT credit report is yours to keep! Plus, you can rest assured that your credit rating will NOT be affected when ConsumerInfo.Com pulls your FREE credit report for you!

Benefits of the CreditCheck Monitoring Service

Paid membership includes UNLIMITED FREE CREDIT REPORTS, plus online monitoring alerts that inform you of important changes to your credit file, including:

• Derogatory information
• Inquiries
• Newly opened accounts
• Several indicators of possible credit fraud

You'll also receive:

• Dispute tips
• CreditCheck Newsletters
• Free Neighborhood & Home Sales Reports
• Toll-free customer service support

Many consumers still find credit mysterious or confusing. Helping you understand the relationship between good credit and opportunities is our goal. But credit education isn't always easy. Here are some tips for doing it right:

• Telling consumers that a product can improve their credit or repair their credit rating doesn't help anyone. Our credit products give you the tools to empower yourself, but it takes more than ordering a copy of your credit report to improve your credit rating. You can start by making payments on time, every time. Keeping your debt load reasonable is also key--credit card balances should be no more than 60% of your available credit.
  
  
• Messages like "fix your credit" or get a "fresh start" are commonly used by credit repair companies, which are at best a waste of money and at worst fraudulent operations. There are no quick fixes when it comes to credit histories.
  
• Mistakes do appear on credit reports, but how do they get there?
  
  Well, credit agencies are similar to libraries.
  They rely on lenders to report consumers' payment habits every month.
  From this lender information, the bureaus maintain a library of credit files.
  
  Sometimes the lender mistakenly reports inaccurate information, such as a late payment, to the agency when those thousands of records are uploaded into the credit agencies' databases.
  
  Other times, a consumer's credit file may accidentally get mixed with the file of a relative or someone else who has a similar name.
  
  That's why it's important for you to monitor your credit and dispute inaccuracies quickly. The bureaus then work with the lenders to resolve inaccuracies.

We offer tips to help consumers dispute inaccurate information on their reports, but accurate notations must stay on their report for 7 years by law. Our credit centers also offer valuable education on rebuilding and keeping good credit.

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