Finding the right car at the right price is only
part of the Auto buying process. Most people must apply, and qualify,
for a loan to actually purchase the car of their dreams.
For many, this process is confusing and stressful. Did you qualify?
What about that old record club membership? Is there an error in
your credit report?
Luckily, resources on the Internet allow you to access your own
credit report for free online. The same one a dealership, bank,
or financing company will see when deciding your credit worthiness.
If there are problems, errors, or omissions with your report, the
credit reporting services will work with you to correct the discrepancies.
Knowing your credit rating before you begin your next car search
will allow you to look (and buy) with confidence. Reasons
to get your credit report.
Below are companies we recommend for accessing your credit
TrueCredit offers a free credit report, a free credit score
and a free credit analysis. You can see your credit report
instantly online. A merged credit report is also available
from all three major credit bureaus; Experian, Equifax, and
Trans Union. Information collected by the bureaus is not always
alike and many lending institutions check all three to get
a more accurate credit profile. This is the best credit report
you can get. Find out where you stand credit wise today. Don't
wait until you are denied a loan.
Get a FREE credit check from TrueCredit
Get a FREE copy of your online Equifax credit report! And
that's not all...along with your FREE credit report, we’ll
give you 30 FREE days of the CreditCheck ® Monitoring
Service at no obligation. Sign up today to have your FREE
credit report delivered online over the Internet!
Get a FREE credit check from Consumer
to get your merged credit report today
Never Seen It or Haven't Seen Your Credit
Report in Years
If you have never seen a copy your credit report, you definitely
should order a 3-in-1 credit report, which includes your credit
report from Experian, Equifax, and TransUnion. Why a 3-in-1 credit
report? The three national credit bureaus do not communicate with
each other, so you actually have three credit histories. It is
up to you to make sure that your credit histories are accurate,
so you should get all three of your credit reports.
Mistakes DO Happen
Do you know who has had access to your credit report information?
Do you know if the information they saw is accurate? According
to a study by U.S. pIRG, 70 percent of the credit reports have
errors of some kind and 29 percent contained serious errors like
false delinquencies and judgements that don't belong to the consumer.
You are applying for a credit card
If you are considering applying for a car loan, bank loan, or
credit card, you will want to see your credit report and make
sure all information is accurate. Since each inquiry can count
against your credit rating, make sure that your application isn't
rejected based on mistakes in the credit report.
Co-Signed a Loan
If you have co-signed a loan for a family member or friend, their
payment record will also appear on your credit report. Make sure
you know how your credit is affected.