Introduction It is vital to note that credit reports and credit scores are crucial in the aspects of loans, credit cards, mortgages, apartments, and even employment. That’s why it is important to keep track of your credit by requesting and reviewing the credit reports and scores periodically. It can enable you to address any mistakes or anything that looks improper and work towards the correction of your credit score.
Here are several good choices that can be used to obtain credit reports and credit scores: This article reviews some of the best credit check companies that are available.
AnnualCreditReport.com is a Website that has been endorsed by the government and it also lets you get a free credit report from three major credit reporting agencies, they are Equifax, Experian, and TransUnion, every year. This can help you check your credit frequency in a year without having to wait for 12 months to elapse.
The website is easy to navigate and there is an online request form for the parts. Simply make sure to put in a request for only the free report without subscribing to other products that may be sold. Although this site does not disclose your credit score, you can get your credit report from all three bureaus and go through them to identify errors or accounts that you have no idea about.
Credit Karma Credit Karma is one of the prominent credit reporting services where consumers can get free TransUnion and Equifax credit reports and Vantage Score credit scores. They offer you a monthly subscription, where they update your credit report and score each month.
Credit Karma also offers credit data reports and credit advice that are tailored toward enhancing your credit report score. They have such features as a credit score simulator that allows users to see how some actions affect their credit score.
This is true because Credit Karma generates its revenues from the recommendations that it provides to consumers, especially about credit cards and loans, and it offers these services for free. Though, one is not compelled to subscribe to any of the offers made available.
Experian Experian offers several options and tools for checking your credit report and score:
- Experian Free Credit Report – This site also can be useful as it provides an opportunity to get a free credit report as it is stated in the law.
- Experian CreditWorks Premium – For a fee, you get a daily updated Experian credit report and score, alerts of changes to credit reports, and other features, including score analysis, tips, credit counseling, and identity theft protection. They occasionally provide free trial periods where customers can use their services without charge.
- Experian Boost – This service enables you to include positive payment history relating to utility bills, streaming service, and phone bills, among others, in the Experian credit report; in the process, your score will automatically go up most times. Today, credit scores and loans or credit card organizations do not consider this additional data in their operations.
All in all, it is easy to gain a way to track your Experian credit report and FICO score with the help of Experian.
IdentityForce IdentityForce is a service that specializes in identity theft protection, yet it also offers the ability to access and monitor credit reports. aluminum
Through IdentityForce credit monitoring services, you can check your TransUnion credit report and your credit score every month. You also receive notifications on changes that occur to your credit report, interpretation of your credit information, and guidelines on how to build a good credit history, among other identity protection services.
These costs are fairly standard and may vary within the $9 to $25 per month depending on the company and services needed. While the UltraSecure+Credit plan is the basic plan, the premium and most comprehensive plan is the UltraSecure+Credit plan, which offers daily credit monitoring and updates from TransUnion.
PrivacyGuard PrivacyGuard is also an identity theft protection service that offers features like credit report monitoring as well as credit report analysis with each of the packages they offer.
Its Total Protection plan offers monthly credit monitoring with a free TransUnion credit report and VantageScore credit score, as well as daily monitoring along with notifications about changes to your credit report. You also get your score breakdown in terms of factors affecting it as well as the best practices for improving your credit score.
The basic package with credit monitoring only is offered from as low as $10 monthly to $25 monthly for credit reports, scores, and complete identity theft protection.
Honestly, it is quite a tough question to answer because there are numerous credit check companies out there these days, and everyone wants to be the best. There are so many credit check companies that are in the market that the best one to use is one that suits your needs and your pocket. Many services provide free trials, which means that you can try a couple of services to make sure they meet your needs or preferences without having to sign up for every service you come across.
Here’s a quick recap of the best companies:
- AnnualCreditReport. com – For the simplest free annual credit report from each of the three major credit reporting companies for verification of inaccurate information
- Credit Karma – To enjoy the benefits of totally free credit reports and scores updated from TransUnion Equifax and VantageScore
- Experian – Durable for credit report and FICO scores with additional free tools to increase your scores
- IdentityForce and PrivacyGuard – For credit reporting and identity theft protection at a monthly cost
By frequently monitoring credit reports and scores from one of the above-mentioned reputable companies, one is likely to meet his/her financial objective of the year while safeguarding his/her identity. Always ensure that you make proper use of the access and information to enhance your credit by paying bills and balances on time and challenging incorrect information with the bureaus.
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