As with any other service, if you are looking for the best credit reporting agency you need to check out a number of different agencies that may be able to provide you with an opportunity to make your credit situation better. There are scores of credit reporting agencies. Each one has their own list of services they offer to clients. The purpose of this article is to share some information on the three major credit bureaus.
This is the one you should absolutely look at before you begin your search for a lender or a debt collection agency to take care of. TransUnion provides a free annual credit report that is usually accurate and does not make many mistakes. You should review it and keep track of any changes that might occur.
Equifax is another major credit bureau that you can use. They are not very popular with most Americans as they are perceived to be too hard on debtors. If you don’t have any debts that are in their jurisdiction then you will be fine with them.
The B-B-B-U-R-S is the business bureau. Their service is to help businesses and credit card companies get access to the most accurate data possible. Most customers may find that these agencies are more expensive, but if you do not have much need for them they are the ones to use.
Any time you receive a credit report from any of these agencies, make sure that you verify everything. There is a lot of fraud and scams that go on these days and it is important that you are able to get yourself the most accurate information that you can.
Once you are able to properly receive your report, you will want to start reviewing it. If there are things in it that do not belong or that are not correct you should dispute the items. Getting back all of the items that do not belong is the easiest way to have your score changed so that you will receive a better score than you were previously on.
When you get those corrected, go through and take a look at what you think are the errors and the items that are not correct. Use this information to determine what the best option for you is. You may want to add the items that are correct to your file so that you are not going to pay for something that you have already paid for.
If you are in the process of trying to repair your credit then you know how frustrating it can be. You know that the chances of ever getting into a situation where you need the score to be improved greatly. If you know how to get the most accurate credit report and utilize a few tips and techniques to combat credit repair mistakes you should be able to get yourself out of the situation.