Free Credit Report

Getting a free credit report should be one of your first steps when thinking of buying a home. If you have not viewed your credit report in the last year, you should order a free credit report now. As you may have heard, as many as 37% of all individuals credit reports contain credit reporting errors.

Credit Report Errors Cost Consumers Money

Errors on your credit report will affect your FICO credit score. Today, the mortgage loan you qualify for and the mortgage rates you received are determined by you credit reports FICO score. Get your free credit report to insure there are no errors on your credit report.

Credit report errors may cost you thousands of dollars in higher mortgage rates if they are not cleared ahead of time because a change on an item reported today on your credit report will often take between 60 -90 days for the change to be reflected on your FICO credit score and credit report. Keep in mind that the average escrow period to buy a home is 30-45 days.

In order to avoid any expensive surprises that may appear on your credit report, we have provided you with some valuable credit report resources you can take advantage of. We have broken this into the following various groups:

Free Credit Report Sources

Free credit reports are available from the list of credit reporting companies. With all of this companies you can order a free credit report and view your free credit report instantly online.

• Free Credit Report from Consumer Info

• Free Credit Report & Score from Experian

•  Get a Free Credit Report from Privista

• Free credit report from True Credit

Credit Reports with Credit Scores

Order a credit report  with a credit score from any of the credit reporting bureaus: Experian, Transunion and Equifax. These credit reports charge a fee so visit each to compare prices.

• 3 Bureau credit report from consumerinfo.com!

• Experian Credit Report & Score

• TransUnion Credit Report

•  3-in-1 Credit Report provided by Equifax

•  Credit Report Score Power from Equifax

•   3-Bureau Credit Reporting from CreditReporting.com for $34.90.

•   3 Bureau Order Form from True Credit

Credit Reports from Each Credit Reporting Bureau

Below are links to each of the major credit reporting bureau's website where you may purchase a copy of your credit report either separately or combined onto a single report

•   Equifax Credit Report

•   Experian Credit Report & Score

• TransUnion Credit Report

Credit Monitoring

Credit monitoring is a service provided by many credit report bureaus to help you protect yourself from identity theft. Credit report monitoring services usually include a free credit report.

• Credit Report Monitoring from Consumerinfo.com!

• Credit Monitoring from TransUnion

• Credit Report Monitoring from Experian

•  Credit Monitoring from Equifax

•  Credit Monitoring from Privista.

Credit Report Disputes

Below are links to each of the three major credit report bureaus' online credit report dispute pages. If you have ordered a credit report and found an error you my use these links to file a credit report dispute to clear up your credit report history. This process will between 45 - 90 days to be reflected on your credit report and on your credit score.

• TransUnion Online Dispute

• Equifax Online Dispute

Credit Repair

Credit repair can be done yourself by using the above links but if wish to have a credit repair company assist you with your repairing your credit report you can use the company below:

•  Is your credit damaged? Let ClearCredit help you get it back on track.

Credit Education

Below are links to learn about your credit report and how your credit report history will affect your finances.

•   Credit Education from Equifax

•   Learn what to do when you are a fraud victim

•   How to handle credit report inaccuracies