Do you need to improve your credit or credit score? Do you need to find out if you have collections, charge offs, late payments, public records etc? The first step in improving your credit is to obtain a credit report for yourself to review. There are many websites that offer credit reports and credit monitoring. Since I see dozens of credit reports every day, I thought I'd give you a list of the best and the worst credit monitoring websites available today.
There are several websites that offer good credit reports free of charge. Of course there is a catch, they will sign you up for a membership and if you don't cancel within the "trial membership" they will charge you. If you cancel they charge you nothing.
There are many sites that offer this service. I recommend two of them.
These guys give you a 30 day trial membership and then cost $15 per month. They provide you with a very accurate and detailed tri-merge credit report (a report from all three credit bureaus). They allow you to fully update your credit report with all three bureaus every 30 days. They allow you to update your Trans Union report every 24 hours. The credit scores available on this site are called Vantage scores and they are way off. Don't pay attention to the scores on this site.
This site gives you only a 7 day trial membership and then costs $20 per month. They provide you with a tri-merge credit report which is also pretty accurate and somewhat detailed. Unfortunately they do not provide a 7 year payment history on your accounts like truecredit does. They only let you see a 2 year history. They let you fully update your credit report every 24 hours. The credit scores are much closer to the FICO scoring model but are still not accurate.
I do not recommend the following websites:
They only give you an Experian credit report. They also charge something like $30 per month for their one bureau credit monitoring program. It's expensive and only a third of what you need. Plus their advertisements and jingles are annoying.
My Dad got his credit report from this website. It was 40 pages and the most confusing information ever. He tried for hours to figure out how to read that report. He called me very angry and ready to give up (maybe they confuse and frustrate on purpose). I got him a truecredit account and his credit report with them was only 5 pages long and very straight forward, very easy to read. He was soooo relieved. I could tell he was very stressed out by the equifax credit report. They are a confusing mess of duplicated information and a huge waste of paper. What more can you expect from a company that directly inspired congress to pass the Fair Credit Reporting Act?
I used to like this site but they have changed. If you want identity theft insurance, this is the site for you. They've changed their format and now resemble Equifax.com due to their duplicated information. They only allow you to update every 90 days. Not convenient.
There are many other websites out there and new ones popping every week. I just got a report from www.mycredithealth.com It seems to be a good report. They are $30 per month. They let you update every 30 days I think. I'm not too sure because I like $15 per month at truecredit that I like $30 with someone else.
For more information on the credit scores, click this link below
http://www.creditrepairwholesale.com/Credit_Score_Education.html
Warm Regards,
Jack B. Olson
Jack B. Olson
Account Executive
P - (866) 979-1099 ext. 205
F – (866) 979-1097
www.creditrepairwholesale.com
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