Your Online Credit Report & Debt

Understanding the relationship between the two.


You need to get your debt under control and using your credit file for debt management is a good way to start. You should review your credit file at least every six months. The obvious reason is to see what is there, and if anything needs to be corrected.

Keeping a watchful eye on your reports will also help protect you against credit fraud and identity theft.

Whichever debt relief method you choose will affect your reports. No matter which debt relief option you choose, it is likely to have either a temporary negative effect on your credit, or a long-term negative effect.

The more severe the debt relief option you choose, the more negative the effect is likely to be. That is why we recommend you review your online credit report and credit score before you choose your debt relief path. You can now get combined 3 in 1 credit reports with Credit Monitoring.

For debt management, you need to know which creditors report on you, and which don't. This will help you with evaluating debt relief options.

After you have gone through the debt relief option you have chosen, you will get another copy of your online credit report to start on the road to rebuilding your credit. It is important for you to know what is in your credit report and how to read it.

Major Credit Bureaus - Equifax, Transperian & TransUnion

There are 3 major credit bureaus that report on consumer credit, Equifax (formerly TRW), Transperian and TransUnion. Creditors will view your credit report when you apply for a loan, mortgage or credit card. Employers may request your credit report prior to making decisions about your future. And, creditors will also report late payments, balances outstanding, and bad debt accounts to credit bureaus.

With 3 credit bureaus listing your credit history, it is very common for each of them to have some information that is different. You could start by getting your free online credit report from one provider, however, we recommend you get all 3. This way you will only have one set of codes to follow.

Once you get your credit reports, be sure and check them out carefully for errors, mis-reported information, and information that is past the date to be removed. In particular, items you can request to have removed include: a bankruptcy that was discharged more than 10 years ago, bad debts in excess of 6 years from your last payment date, and credit applications that are more than 2 years old.




Highly Recommended Resources

Just visit AnnualCreditReport.com each year to request your annual free credit reports. This is a new site to comply with new Federal Laws to allow people to get their credit report once each year for free.

Get a free credit score and a debt analysis, all on your desktop in seconds. Click here.

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Getting The Answers You Need

Need help to get your expenses under control fast? Check this out.

Be sure and check out the various debt solution reviews, tips, and articles provided on DebtSteps.com:

Find Your Solution offers a comprehensive list of reviews to get out of debt once and for all. Get answers on bankruptcy, consumer credit counseling, debt settlement, money management, budgeting, loans and mortgages.

Debt Relief Tips & Articles to guide you on your way to financial freedom. Get the lowdown on dealing with debt collectors, handling money problems, understanding your credit, and more.



Let CareOne Credit Counseling help you get out of debt now.


Credit Tips

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Getting free credit reports to protect your credit. Know your credit, get your free credit report without a credit card every year with new credit card laws.

Online Credit Reports. Where To Get Them ... Free Reports By Mail.

Contacting The Major Credit Bureaus. If you have questions about your credit report, here is how to contact the credit bureaus.

How To Get A Free Credit Report. It used to be that the major credit bureaus would allow you one free credit report without hassle, times have changed!

Evaluating Your Credit Reports For Debt Management helps you understand, how to read and evaluate your reports.

Your credit history is your financial life! Protect your credit history to enjoy a rewarding financial life.

Credit repair can be done, but be sure you do it right. Finding a loan or credit card with bad credit isn't hard, getting a decent interest rate can be. Find out what you need to do to repair your credit so you can qualify for loans and credit cards.

Repairing your credit is a multi-step process. Here are the step-by-step keys to fixing your credit score and reports, yourself.

Can You Quickly Fix Bad Credit? If you can quickly fix bad credit scores, should you and how do you do it?

What is in your FICO score? Find out what is there and what will improve your ratings the fastest.

Contact the three major credit bureaus ... addresses and phone numbers are here.

Define Identity Theft ... are you a potential victim?

Ways to prevent Identity Theft ... are you safe?

Documenting your Identity Theft case ... steps to reporting fraud.

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Credit to Debt Ratio - how it affects your credit and your credit line.






Using your online credit report for debt management.