Online Credit Report
Online credit report information is available instantly to you with a credit
card. Here are some important points about getting an online
credit report.
Online credit report guide
For an online credit report...
- You need a credit card.
- When ordering, you may be asked for other information, that only you
should know - to make sure that you are you!
- You are only allowed to get an online credit report for yourself - not
someone else.
- An online credit report does not not count as an inquiry. That is,
it is not visible to credit grantors or employers, so it has no effect
on your credit score.
- An online credit report can be viewed in your browser, and printed on your
printer.
- Assuming the information you give allows you to be positively identified,
your online report can be seen in seconds.
- The data is exactly the same as can be seen by credit grantors,
except you get additional "help" information to make your credit
report easier to understand.
Online credit report types
- Single
online credit report. This is a credit report that contains data
from one of the three major credit reporting agencies: Equifax, Experian, or
Trans Union. $11.95. This has been the most popular option, because it
is instant, inexpensive, and a very representative picture of your credit.
It takes 30 seconds or less. NEW: It includes your credit score!
- Single
online credit report with score. The credit score shows how you are
likely being evaluated by lenders and other credit grantors, and how you
compare to others in the U.S. population. A detailed analysis is
provided to explain the factors in your history that are contributing
or detracting from your creditworthiness. Usually 45 seconds or less and
only $11.95 for the credit report, score, and personalized analysis!
- Tri-merge
online credit report. This is a credit report that contains data
from all of the three major credit reporting agencies: Equifax,
Experian, and Trans Union. $34.95. This is becoming the most
popular option, because (unlike before) it is now online and instant.
(Less than 60 seconds!) By seeing all three bureaus, you eliminate the
chance of surprises (such as a derogatory item reported by one bureau but
not the others.) Also, the list of who has inquired includes all 3
bureaus. (Inquiries are often made to just one bureau or another.)
- Free credit report
and credit monitoring. You get a free credit report online, and
a credit monitoring service that allows
you to get your updated credit report instantly online, and email
notifications of important changes throughout the year. You have
30 days free to try the service, and you keep your credit report whether or
not you continue. (If you need to see your credit report instantly,
please select from the other options, above.)
More about the online now options: 
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