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Credit Reports 

 -Credit Monitoring System
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 -Improving Credit Scores
 -Building Credit
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-Age & Credit
-Seniors & Credit
-Life Changes
-Getting Your Report Yearly
-Credit Report FAQ
-Who Looks at Your Credit?
-What is Credit Scoring?
-What Credit Type Are You?
-How Scores are Computed
-Understand Your Credit File
-Fixing Mistakes
-Sample Dispute Letter
   Sample Follow-up Dispute Letter
-Impact Of Inquiries
-Credit & Mortgages
-Authorized Users

Credit Scoring Blunders
Identity Theft
Credit Help

Auto Loans
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Debt Consolidation
Credit Cards

 -Managing Money
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In the past, creditors were the only groups interested in your credit report. Today is very different. More and more companies, agencies and places of employment are pulling credit reports when determining whether or not you are a responsible person. No one is allowed to run your credit without your permission. Below is a list of common scenarios of when you can expect your credit to be examined. Learn more about how your credit report is impacted by lifes' occurences.

  -- Moving into a new apartment? Landlords conclude that if you have decent credit, you are likely to pay your rent on time.

  -- Looking for a new job? Potential places of employment consider good credit as a sign of a responsible person. Bad credit is obviously frowned upon.

  -- Any financial institution that you are applying for any type of credit or loan with is going to run your credit when determining approval, interest rates, approval amounts, and loan terms.

  -- Looking for a new auto insurance policy? More and more auto insurance carriers are looking at credit reports when deciding if they should rant policies, and what kind of rates to assign.

  -- There are also companies that will run a 'soft credit' check of your profile to see if you match a certain standard or scope of credit score. These are the companies that send you pre-approvals for credit cards, car loans, and personal loans. Don't worry though, these types of credit inquiries do not affect your credit score. You can also choose to not receive these offers by contacting all of the three major credit reporting companies and 'opting-out' from these types of offers.

Star Loan Services suggests that you obtain a copy of your credit report annually to make sure all of your data is current. Understanding how your credit score is calculated is also very important.

Great Credit Report Offers

Get a snapshot of how one major credit reporting company is reporting your information by purchasing a single credit report for only $9.99!

The credit monitoring system is free for the first month, will give you instant access to your credit report from all three of the major credit reporting companies, will teach you how to maintain good credit, and help you avoid identity theft! 

A 3-in-1 credit report will give you a complete analysis and breakdown of your credit report from all 3 reporting bureaus.

More educational information about credit reports can be seen here.


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