As reported by the three national credit bureaus. Order
your 3-in-1 credit report with all 3 FICO scores (Credit
Rating) & receive it in 3-5 business days or select
our same day option by e-mail.
Access our toll-free hotline to help assist you with any
of your credit needs and questions.
What's in a
3-in-1 Credit Report?
A 3-in-1 Credit Report provides your credit history
as reported by all three national credit bureaus
(Experian, Equifax, and Trans Union). Your
3-in-1 Credit Report lists all of your credit accounts
bureau-by-bureau, line-by-line allowing you to see
and compare how each of the 3 national credit bureaus
are reporting your personal accounts as well as
which credit grantors have recently reviewed your
credit report. This is very important before disputing
your credit so that you can detail who is reporting
what. This will detail your accounts by the following:
EFX, TU & XPN. Stay informed, order your 3-in-1
credit report and see it for yourself first hand,
how easy it is to read.
Why Do I Need a 3-in-1 Credit
Report?
Since the three national credit bureaus
do not share information it is important that you find
out what each of the credit bureaus has on file about
you. Simply seeing your credit report from one or two
of the credit bureaus may not give you your entire credit
history. Your lender may look at all three bureaus. Only
10 percent of those questioned in a recent survey by California-based
Roper Public Affairs could name their credit score.
Roper, which commissioned the survey, found that only
one in eight respondents knew that the 650-850 range represents
what is deemed a “good” credit score. Westerners
were more aware of a “good” credit score;
with one in five able to identity a good credit score,
far better than the national average.
What does this mean to you?
It means that now you don’t have to be in
that 80% of people who are clueless to what their
credit scores are and what they represent.
Now you can order your tri-merged credit report
& know where you stand today. It’s simple
to order. Just call our Toll Free number or download
our order form, complete the form, then fax or mail
it in. You can request the report to be
sent to you by us regular mail or e-mailed to you
for quicker retrieval. It really is that simple!
You may place your order now! Listed below are 12
common sense Reasons why you should get a copy of
your Credit reports:
1) Surprisingly
most consumers have never seen a copy of their personal
credit reports. Now is the time to obtain
& take a look at your personal credit reports.
My Golden Credit.com has revealed to you the fastest,
easy, & most convenient way for you to get a
copy of your personal credit reports. No more being
confused on how to obtain or read your credit report!
Follow the simple steps provided here online &
within 24 to 72 hours receive your tri-merged report
with all three credit bureaus which include: Experian,
Trans Union, & Equifax for your review.
2)
Are you thinking or considering about applying for
a loan? Whether you are considering applying
for a automobile, bank loan, credit card, furniture,
or any other entertaining comforts of life. It's
very important to see a copy of your personal credit
profiles before your creditors do. This way you
know what to expect and can plan ahead before applying
and adding more inquiries to you credit report thus
decreasing you credit rating.
3)
You need to obtain all three Credit Repositories
to get the big picture. My Golden Credit recommends getting a copy of all three-credit
reports at least every 6 months. With online options
we can make it fast, simple & less stressful
for you!
4)
Thinking of buying a house, condo, apartment building,
or land? Look at what your mortgage specialists
will see before they do. You will be able to save
yourself time and headaches! This way you can let
your mortgage specialist know what you have seen
on your credit reports and have your explanations
ready so your loan can be approved and funded quickly.
It will make everyone's life easier & that's
what everyone wants these days.
5)
Divorce: has your spouse or ex-spouse ruined your
credit rating because of stubbornness or revenge?
Has your spouse made financial charges
that you are or were unaware of? Are these charges
being reported on your credit files? Is all of your
credit combined with your spouse? At this point
you should take your credit report to your attorney
so they can better evaluate your financial situation
and give you some options that may be available
to you.
6)
Have you co-signed a loan for a friend or a family
member? How your family member of friend
makes their payments will appear and reflect on
your credit report. Take a look today & see
how they are impacting your credit report.
7)
Fraud prevention. See if someone is committing any
fraud by using your Social Security Number or even
your personal Identity! Also check to see
if any creditors have made a mistake or errors by
reporting an account or accounts that do not belong
to you. 8) Are you thinking
or considering opening that business you have been
planning & talking about for months, even years?
You better believe that your personal credit will
play a huge roll in getting a business started and
off the ground. Every vendor and bank will view
your credit reports for approval. So get a copy
and make sure it is in good standing before you
apply or you will definitely be in need of a co-signer.
9)
Are you going to rent an apartment or relocate residence?
You can guarantee that the landlord of the apartment
complex will want to check your credit history before
renting to you. You can cut down on time by taking
a copy of your credit report with you and if you
have any credit issues you can explain right up
front and be prepared.
10)
Do you want to know who has pulled your credit report
in the last 2 years or recently? How would
you like to know about that medical bill that you
thought your insurance company paid! Once you obtain
your credit you can find out in advance if they
have sent you to a collection agency! Sadly this
practice occurs a lot. Obtain a copy of your credit
report today so you can protect yourself from unfortunate
circumstances that may happen. Also if you are shopping
around for a loan or more credit, when the creditors
pull your credit, it places a inquiry on your credit
report. Inquiries can add up, which is often interpreted
as, "credit hopping", and is negative
by creditors. Because of this, too many inquiries
can make getting credit more difficult. If you didn't
authorize someone to pull your credit report and
they did, they may have broken the law of privacy.
To see who has been viewing you personal credit
reports, order a copy today.
11)
Track your monthly payments made to your creditors.
Timely payment history is one of the most
important elements that must be demonstrated in
a consumers credit profile. Once you send your payment
out, anything can happen. A delay in the payment
being received can bump you over to a 30-day delinquency.
Calling your creditor to explain your situation,
they may adjust the information for you. But if
you do not obtain and read your credit report, you
won't know which payments are being received and
are reported correctly. Find out now rather than
later when you decide to apply for that new car,
boat, home theater system, or your dream house.
12) So
they say that ideally your credit report is an accurate,
up-to-date reflection of your payment history.
However, since we do not live in an ideal world,
there are many reasons why your credit reports could
contain inaccuracies or errors that can possibly
prevent you from receiving the credit you deserve.
The great news is that you can take action to keep
your credit reports as accurate as possible. The
first step is to obtain and analyze your credit
reports thoroughly for any major inaccuracies to
minor errors that can cost and/or disqualify you
from credit or any other specific financing. Many
inaccuracies can be a result of a simple human error,
and are therefore not difficult to dispute. If you
do not order your credit report you might never
know about it. The inaccuracies may be payments
not credited, data mixed in from the credit file
of someone else with a name similar to yours, or
late payments, you must dispute this immediately!
Again you will need to order a copy of your credit
report to review and pin point these inaccuracies,
or you may never know they exist.
Credit
Score Elements >> THE BIG FIVE. There are
5 main categories of information that credit scores
evaluate. This is how they add up…
10%
Types of Credit Used, 10% New Credit, 15% Length
of Credit History, 30% Amounts Owed, 35% Payment
History.
P.S. Hurry!! Quick Response BONUS!!
If you order now, you will receive one of our exclusive financial wealth advising/money making reports, “Figuring Out
Credit Scores” by the official National Association
of Credit Scoring Committee Chair!-FREE!!
(a $45.00 Value-FREE!!)
Note: BONUS reports may change from time to time with or without notice.
