Understanding Credit Reports

Free Annual Credit Report from Each Bureau
Every year, every American is entitled to a free copy of their report from each major credit reporting bureau. In order to protect yourself from identity theft and be aware of possible fraudulent credit obtained in your name, and to correct any incorrect data you should review your credit report at least once per year. Read More...

How Credit Scoring Works
Each credit reporting bureau supplies a score which lenders take into consideration when deciding if and how much money to lend, and at what interest rate. We supply some insignt into just how those scores are calculated. Read More...

Credit Report Review Consultation
We can help you receive the free reports metioned above and also offer a free and confidential credit report review session to ensure you have the necessary tools to improve, maintain and protect your credit standing. Read More... or feel free to call now for your session at 800-351-4195.

Credit Report Primer
This ConsumerCents booklet provides a quick overview of credit scores plus tips on improving them. Read More...

This content is also available as a self-paced online learning session here as part of our Virtual Classroom series.

Credit Report FAQs
Credit report questions answered by the professionals, the credit reporting bureaus. Read More...