Online credit report check Pittsburgh

Other than Identify Theft, all of the examples listed above can be turned around - if you know how Credit Reports and Credit Scores work! The actual credit scoring system and online credit report check Pittsburgh credit report was developed online credit report check Pittsburgh by a company called Fair-Isaac (a quasi-governmental-type group). Today, all that Data is now managed by Trans Union, Experian and Equifax. These three companies have complete control over what gets reported and how it impacts your credit scores and personal credit reports. And every Lending Institution in the Country relies on data online credit report check Pittsburgh from one of the three companies - each and every single time they have to make online credit report check Pittsburgh a credit decision. Here's an example - US Bank uses Equifax, Wells Fargo Bank uses Experian and Honda Finance uses Trans Union. get your free credit score Each online credit report check Pittsburgh assigns a credit score, online credit report check Pittsburgh based on the history in your credit report, which determines if you'll online credit report check Pittsburgh get the credit you're wanting....and what interest rate you'll end up with. Credit Scores are generally broken down as follows - 700+ Score - you're considered Tier 1 - considered excellent by lenders and typically offered the best rates. 650 - 699 - you're considered Tier 2 - considered good by lenders and typically offered interest rates 1% - 4% higher than Tier 1 borrowers. credit cards 600 - 649 - you're considered Tier 3 - considered fair by lenders online credit report check Pittsburgh and typically offered rates between 8% and 12%. 550 - 599 - online credit report check Pittsburgh you're considered Tier online credit report check Pittsburgh 4 - considered poor by lender and typically offered rates between 13% and 22%. 350 - 499 - you're considered Tier 5 - considered very poor by lenders and typically offered interest rates similar to what the Mafia lends at. Recently, I've been seeing a lot of advertising on the Internet and TV offering to provide you a Free Personal Credit Report. Heck, there's probably 200,000 Web Sites that make that offer.

Ok - listen carefully - online credit report check Pittsburgh almost 99% of those ad's are a crock.

There are only online credit report check Pittsburgh two ways to get a FREE Credit Report. free credit score online The second way is to wait for your once-a-year window to request your Free Credit Report. This is a newer program just recently put in place (2005) which was mandated by the Feds.

The Web Site you need to visit online credit report check Pittsburgh to see if it's your time to online credit report check Pittsburgh get Free Credit Reports is Annual Credit Report.com.