#3 bureau credit report
Triple Bureau Credit Report
As a PrivacyGuard customer, you can receive your latest triple-bureau credit report and CreditXpert Credit Scores every month. See details. Reviewing your credit report on an ongoing basis is the best way to find inaccuracies that could harm your credit, as well as spot signs that your identity may be in jeopardy. Inaccuracies on a credit report can happen at any time, so it’s important to discover these issues and investigate them as quickly as possible.
Your Credit Report Explained
If you have never looked at credit report before, here is what you need to know. Your credit report is a file containing a variety of personal data about your financial life and your credit. It can include income information, address history and your credit history. Inside your credit report, you will find information such as how many credit cards you own and how much available credit you have, any mortgages or car loans, any lines of credit, and your payment history. There can be positive items on your credit report, such as a history of on time payments, and there can be negative items, such as defaults on loans, excessive amounts of debt, late payments or bankruptcy filings. Whenever you apply for credit, or even for such items as homeowners insurance or rental agreements, the lender or agent may pull your credit report to determine your level of risk. One of the reasons that it is so important to maintain good credit is that a better credit report can mean more favorable loan terms, lower premiums and more financial flexibility.
The Three Credit Reporting Agencies
Getting Your Triple-Bureau Credit Report from PrivacyGuard
Upon joining PrivacyGuard. you can receive your latest triple-bureau credit report online in seconds. See details. When you receive your credit report, carefully review it to see if any of your information seems unfamiliar or inaccurate. PrivacyGuard’s toll-free Credit Information Hotline is available to help you navigate through your credit report and understand the information it contains. If you find a discrepancy, it could mean anything from a simple inaccuracy to a case of identity theft. Either way, you’ll want to dispute the item and take the required actions to correct it. PrivacyGuard can help you with this process .
Monitoring Your Credit Report
While it’s helpful to view your credit report throughout the year, you don’t have to look at it every day. That’s because, for all intents and purposes, PrivacyGuard does that for you. PrivacyGuard’s daily triple bureau credit monitoring will notify you of certain changes to your credit report. So if an inquiry is made on your credit or if a new account is opened, you will be alerted and if needed, get the help to investigate the activity. See details .