How to Subscribe to Credit Bureau Reports
Check your credit bureau reports regularly. Three credit reporting bureaus offer the reports: Equifax, Experian and TransUnion. Credit bureau reports may vary, so it’s best to have access to all three. You can monitor for errors and look for ways to improve your credit rating. You can get free or reduced price credit bureau reports on a trial basis. To continue to check your reports, you will need to pay a subscription fee.
Other People Are Reading
Instructions
-
-
1
Apply online to your choice of credit reporting bureau: Equifax, Experian or TransUnion. It’s the quickest and simplest way to subscribe to credit bureau reports. Your reports are available to view online whenever you want after you have completed the application process.
-
2
Get all three credit bureau reports from TransUnion. You get a 30-day free trial. It’s $14.95 a month following the trial. Click the TransUnion link in the references section. Click “See Your Credit Scores Now.” Enter your details in the online application form. Accuracy is important. Check the box at the bottom of the application form to accept the free trial. Read the terms and conditions. Click “I Accept.” Complete your payment details. Your card will not be debited during the free trial. It is used for identity verification purposes. Click “Submit” then review you application. Click “Continue.” Set a login name, password and password reminder. Click “Enter.” Access your credit bureau reports online.
-
-
3
Get all three credit bureau reports from Equifax. You can view your credit bureau reports for $4.95 for the first month. Subsequent months are $14.95. Click the link in the references section. Click “Get Started.” Complete the application form and click “Continue.” Complete further personal details, click “continue,” and enter your payment information. Click “Submit.” Wait for your identity to be verified. Check your application details. Create a login name and password. Click ”Enter.” View your credit bureau reports online.
-
4
Go to Experian’s website (see References) to get your three credit bureau reports. Take the trial subscription for seven days at a $1, then its $14.95 per month. Choose “Experian Credit Report and Score,”and click “Order now.” Complete part one of the application process. Click “Submit & Continue.” Complete part two of the application form and click “Submit & Continue.” Select your payment method and enter your card details. Click “Continue.” Review your application form. Click “Submit.” Enter login details and password. It may take up to 48 hours after submitting your application before you can start to monitor your credit bureau report. Your Equifax and TransUnion credit reports can be viewed in four days following your application submission.
-
1
Tips & Warnings
You can also subscribe to MyFICO to monitor you FICO (Fair Isaac Corp) score. The FICO score is the one most lenders use as it is compiled using scores from the three credit reporting bureaus (see Resources). You can view all three credit reports for free once a year through AnnualCreditReport.com. The website is sponsored by all three credit reporting bureaus (see Resources). Check your credit bureau reports carefully. If you find errors, report them at once in writing to the bureau. Each credit reporting bureau website has clear information on how to report errors.
Ignore websites that suggest that you can get your credit bureau report for free. They ultimately charge and they may be fraudulent. Entering personal information into unofficial websites could result in identity theft.
References
Resources
- Photo Credit three image by Valua Vitaly from Fotolia.com
