KNOWLEDGE IS A GOOD THING.
When you submit an application for credit, the credit analyst may "pull" your credit report from any one, two and often all three of the major credit bureaus. It is not uncommon for the different bureaus to report different information about you and your credit history. You have no way of knowing in advance which credit bureau(s) a prospective lender may use. Credit analysts will often assume that the most negative information found on any of the reports is likely "correct," when making their credit judgments.
The 3-in1 credit report that you can request directly from Equifax (above) will contain all of the information being reported by EQUIFAX, TRANS UNION AND EXPERIAN in a single, easy-to-read format. If negative information is being reported by any of the bureaus you will see clearly what is being reported AND by whom--which is the only way you can begin the process of correcting mistakes in your credit file.
Identity theft has become a HUGE problem for millions of innocent consumers. The FBI estimates the number of identify theft victims could be as high as 1 in every 5 U.S. families! There is no better way to catch potential identify theft than to carefully monitor your own credit on regular basis.
This is why it is SO IMPORTANT TO KNOW what ALL of the credit bureaus are reporting about you AND to be able to dispute and/or correct inaccurately reported information that may be costing you approvals you would be entitled to or forcing you into "B" or "C" credit programs that could be costing you THOUSANDS of dollars in higher rates.
EQUIFAX SCORE POWER
When a credit analyst sees your credit report it is accompanied by a credit-bureau-calculated CREDIT SCORE which often weighs very heavily on the analyst's final decision. The credit score is NOT provided with a consumer-version of your credit report. You can however see the credit score lenders rely on when you request the EQUIFAX SCORE POWER option on the credit reports you order here and we strongly urge you request your EQUIFAX SCORE POWER with your credit report.
Take the first step...CLICK on he Equifax logo above!
For Equifax Credit Watch™
Capital Equipment Leasing Corp.