The law stipulates that you have the right to obtain a copy of your credit report at a reasonable price. Experian, Trans Union and Equifax are credit bureaus that can offer you a free credit report and ongoing reports and monitoring at a reasonable cost. The bureaus don’t share information, so you need to be informed about all three credit reports to make sure that each one is ready for the eyes of your lender.

Your credit score is a number which is determined by statistical analysis of your credit history. It takes into account whether or not you pay your bills on time and in full, how much outstanding debts you have etc. This information is made available to big 3 credit report agencies by banks, credit card companies and other lending institutions. You need to ensure that this information is accurate. The best way to do this is to check your credit report on a regular basis.

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