Do you know what your credit report says? If you plan on purchasing a home, applying for a loan, changing jobs, or just building your good credit, you should. Our website helps you understand the basics of credit and how to obtain a copy of your free credit report ABSOLUTELY FREE!

Whether you're looking to buy your own home, get a new car, or just need another credit card, your lenders will be checking your credit report. Do you know what your free credit report says? A free credit report and free credit score, keeps you on top of your credit position and alerts you to additions and changes made on your credit report. That way, you'll be both knowledgeable and confident come time to meet with your lender. Consider it your personal credit consultant, complete with valuable information, tools, and tips for success!

Credit reporting is compiling of a credit history. It is created by data about you from many different sources. Companies that have granted you credit make regular reports about your accounts to the three main credit reporting agencies: Equifax, Experian, and TransUnion. If you are late in making payments, those to whom you owe money such as utilities, hospitals, landlords and others may report this information to the credit reporting agencies. Your bank may inform the credit reporting agencies if you overdraw your account or do not make credit card, auto loans, or mortgage payments on time. Your credit report may also contain information about delinquent child support payments. Credit reporting agencies do not make decisions regarding a consumer's creditworthiness. Rather, the credit reporting agencies compiles reports of what your file contains and passes that along to the potential credit grantor.