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A credit report is a record of a person’s borrowing history. Whenever a person applies for credit from a store, credit card company, or bank the information is sent to the three major credit bureaus: Experian, zendough by TransUnion, and Equifax. The credit bureaus then track the individual’s ability to pay the debt back, and the amount of debt an individual may accrue. A credit score is a number based on an analysis of an individual’s credit history, so it is primarily based on credit reports. The credit bureaus provide credit reports and credit scores in a variety of product offerings.
- For $29.95 zendough by TransUnion provides credit reports from all 3 credit bureaus and your credit score based on Transunion’s credit report. For an additional $9.95, they will provide credit scores based on data from Equifax and Experian credit history. Right now they are offering a 7-day FREE trial of 3 Bureau Credit Monitoring! Plus Credit Report & Score - $0. The ALL NEW zendough by TransUnion. They also provide a custom debt analysis for $5.95.
- The Experian credit report costs $10. For an additional $5 you can purchase access to your Experian credit report and credit score. Experian also offers the 3 credit report package and single credit score, for $39.95.
- Equifax provides their credit report and credit score for $15.95. For $39.95 you can purchase credit reports from all three companies, and your credit score based upon Equifax credit report data. Get Equifax Credit Watch Gold 3-in-1 Now!
The most widely used credit score is the FICO score, developed by the Fair Isaac Corporation. FICO scores range from 300 to 850; the higher your FICO score, the better your credit is, and the lower your interest rate will be on a vehicle loan. A good FICO score can save you thousands of dollars in auto payments over the life of the loan. You can purchase your credit score and much more directly from myFICO.com, the Fair Isaac Corporation’s website. They have a variety of products available, but the product most appropriate for a used vehicle purchase is the FICO Standard. This costs $15.95 and provides your credit score, a credit report from either Experian or TransUnion, and the FICO Score Simulator which analyzes your credit score and examines what will happen if you change your credit habits. myFICO is the only place you can retrieve your FICO score.
Getting your credit reports from Experian, TransUnion, and Equifax is a great reactive way to guard against identity theft, but the best way to proactively guard against identity theft is by purchasing identity protection from LifeLock, the industry leader in identity theft protection. LifeLock is so confident in the service they provide that the social security number of the company’s CEO, Todd Davis, is posted on the homepage. For $10 a month LifeLock will protect your identity and if at some point while using their services you become a victim of identity theft because of a failure or defect in their service LifeLock will spend up to $1 million on the services of lawyers, investigators, or case managers to help you restore your identity. Help Protect Yourself From ID Theft. Get help with LifeLock. Enroll Now