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Common Questions About Credit

November 13, 2014 by  
Filed under Blogs, Credit Report, Credit Score

by: .

common questions about fixing credit

What is a credit report?

A credit report is a record of how well you manage and repay your debt. For example, when you pay your auto loan every month, your creditor will report the payment as well as your payment history, to credit reporting agencies(Experian, Equifax, and TransUnion). The credit reporting agencies, then combine the information reported to them about you from several different creditors and create a credit report.

What is a credit score?

A credit score is a number which is calculated from the information in your credit report. The most commonly used credit score is the FICO score which has a range of 300 to 850, the higher the score, the better. There are several factors used to calculate your credit scores, the most important being;
Payment History
Amounts Owed
Length of Credit History
Mix of Credit
New Credit

Learn more about these factors and use them correctly to help you improve your credit scores.

Where can I get a free credit report?

The FCRA (Fair Credit Reporting Act) entitles you to a free copy of your credit report from each of the three credit bureaus every year. There are 3 ways of getting your free credit report.
1. Online: www.annualcreditreport.com
2. Phone: call 1-877-322-8228
3. Mail: Fill out the credit report request form here, and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Where can I get a free credit score?

Federal law does NOT require the credit bureaus to provide you with a free credit score. This means that you’re on your own when looking for your credit score. But, there are a few places online which will give you access to free credit scores.
– Free Experian Credit Score: www.creditsesame.com
– Free Equifax Credit Score: www.quizzle.com
– Free TransUnion Credit Score: www.creditkarma.com

Need more help?

Over the last 17 years, we have helped thousands of individuals repair their credit reports and increase their credit scores. Will you be our next success story?

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 3-5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

3 Free Credit Scores & Free Credit Reports

January 21, 2014 by  
Filed under Blogs, Credit Score

FREE credit score report

Have you ever wondered why you have to pay for your credit reports and scores?

The scores are based on the information in your reports, shouldn’t you have free access to it?

Some websites offer consumers a free credit report or score, but only if you sign up for credit monitoring, a service which can cost upwards of $50 a month.

This may be a bit expensive considering that for the same price you can hire a credit repair company like CreditFirm.net to actually address the negative information in your reports and help you fix your credit, not just monitor it.

Your 3 credit report and scores from Experian, Equifax, and TransUnion should be free. 

And now they are!

The following websites will give you FREE access to your credit reports & credit scores with no credit card required.

Each site gives you access to a different reports/scores from a different credit bureau. When monitored together, you can keep track of your creditworthiness from all 3 credit reporting agencies.

So without further adieu, here is your access to all 3 credit reports and scores for free.

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Free TransUnion Credit Report & Score from Quizzle
(Vantage Score V3.0)

Free TransUnion Credit Report & Score from Wallet Hub
(Vantage Score V3.0)

Free Experian Credit Score from Credit Sesame
(Vantage Score V3.0)

Free Experian Credit Score from Discover
(FICO Score)

Free Experian Credit Report from Free Credit Report

Free TransUnion & Equifax Credit Report & Score from Credit Karma
(Vantage Score V3.0)

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None of these companies will ask you for your credit card information, ensuring that your credit reports and scores are 100% FREE. But, these companies do more than give you free credit scores, they also monitor your credit – for free.

But there’s one more tool I want to share with you today.

FICO has a credit score estimator on their website, which will give you an estimate of your FICO score based on how you answer 10 questions. It’s obviously not perfect, but it’s FREE.

Free FICO Credit Score Estimator

You can find the FICO Credit Score Estimator here.

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review