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About
TransUnion.com
The TransUnion Credit Division has been
in business over thirty years. They offer consumers single and
three bureau credit reports. These credit reports are available
online or by mail. In addition, credit monitoring and identity
fraud resolution have been added. They are one of the big three
credit bureaus which include Experian and Equifax.
TransUnion.com also offers true FICO scores. These scores are
used by lending institutions to determine approvals and interest
rates. TransUnion credit reports and scores are available through
various resellers. The three bureau credit report which contains
the TransUnion credit report as well as the reports from the
other credit bureaus is widely sold by vendors. With credit bureau
sites in all fifty states and twenty-four countries worldwide
TransUnion is a leader in its field.
For your best value we recommend purchasing the
Free Credit Report with Credit Monitoring, its a 30 day free trial
to test the product. If you want a snapshot of your overall
credit, purchase a 3 Bureau Report Consumerinfo.com provides a
free score.
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TransUnion.com |
| Trial |
30 days free |
30 days free |
| FREE products |
credit report,
credit monitoring |
credit report, score, monitoring &
debt analysis |
| Updates |
Daily credit updates |
Quarterly new credit reports
weekly alerts |
| Bureau |
Experian |
TransUnion |
| Web Address |
www.consumerinfo.com |
www.transunion.com |
| Product Name |
Credit
Check |
Credit Monitoring |
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Our Choice
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There
are three major credit bureaus in the United States, each of these
bureaus have acquired or created in house their own online
partners to provide consumers the ability to view their credit
reports online. Experian (formerly TRW) created CreditExpert.com
and recently acquired Consumerinfo.com. TransUnion, created
TrueCredit.com as well as created FreeCreditProfile.com These three bureaus provide nationwide
coverage of consumer credit information.
What
is a credit bureau?
A credit bureau, or credit repository, is an entity that
gathers information about consumers' credit histories. Your credit
history includes information concerning your identity, your
payment habits, and your public record. Credit bureaus sell credit
reports to credit grantors, such as banks, finance companies, and
retailers. Credit grantors use credit reports to determine whether
or not a potential borrower is creditworthy.
How
do the credit bureaus obtain information?
Credit
bureaus obtain identification and credit information from credit
grantors, such as banks, retailers, and collection agencies. Bureaus
obtain monetary-related public record information directly from the
court systems.
How
long do the credit bureaus keep my credit information?
·
The
credit bureaus keep your personal credit history for a period of
approximately ten years.
·
Closed
or Inactive Accounts - 10 years from the date of last activity.
·
Derogatory
Accounts - 7 years from the date of original delinquency.
·
Public
Records - 7 years from the date of payment or indefinitely if the
Public Record is an unpaid tax lien.
Chapter
7 Bankruptcies - 10 years from date filed.
How
do I dispute inaccurate information on my credit report?
You have the right to dispute any misinformation on your
credit report. You should begin the dispute process by contacting the
creditor responsible for the inaccuracy. The contact information for
each of your creditors is listed at the end of your credit
report.
You
can also dispute inaccurate information directly with the credit
bureaus.
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