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These three bureaus collect and disseminate consumer credit information that is then used to compile your credit report.

Also known as consumer reporting agencies, these bureaus have databases containing consumer credit reports, which free credit report free credit score Erie are meant to evaluate an individual or corporation’s creditworthiness. Credit free credit report free credit score Erie bureaus collect financial data, personal information, and alternative data such as payment histories from utility firms, telecommunications companies, rental payments, and electronic payments.

Credit bureaus receive their information from data furnishers such as lenders, creditors, debt-collection agencies, utility companies, and courts providing public records. These data furnishers report their payment experience with a consumer to the bureaus, who in turn aggregate this information and report free credit report free credit score Erie it on the consumers’ credit reports. As part of the FCRA, the three bureaus have set up a central website that allows consumers to order their annual credit reports. free official credit report That free credit report free credit score Erie site, www.annualcreditreport.com, lets consumers order all three reports from Equifax, Experian, and TransUnion at the same time, or to order each report individually over time. In order free credit report free credit score Erie to receive your credit report, you must provide your name, address, Social Security number, and date of birth, as well as a previous address if you have moved within the past two years. You may free credit report free credit score Erie also be asked for specific information that only you may know, such as the names of lenders with whom you have opened accounts. This is to ensure the security of your credit report.

If you order your credit report online, you should be able to access it immediately. free credit report reviews However, if you order it through the mailing address or telephone number on the website, it may take up to 15 days to be processed and mailed to you.

On occasions where there are higher demands for credit reports, this process may take longer. Federal law also mandates that a consumer is entitled to a free report if a company has denied an application for insurance, credit, or employment. The consumer must request his or her report within 60 days upon receiving notice of the denial.

Credit Nexus can simplify the process by offering you our 3-in-1 credit report, which gives you instant and comprehensive access to reports from all three major consumer credit reporting bureaus.

We also offer services vital to maintaining, improving, and protecting free credit report free credit score Erie your credit score from identity thieves and reporting errors. Our free credit report free credit score Erie credit report puts the power in your hands – you can see your credit history in full and evaluate all the factors that make it up, whether they are positive or negative. Unfortunately, identity thieves are becoming more and more sophisticated at hijacking consumers’ financial lives for their own gains. 3 in 1 free credit report Identity theft is a crime in which a person illegally obtains and uses a consumer’s free credit report free credit score Erie personal data in a fraudulent or deceptive way, typically to their own financial advantage. Data such as your Social Security free credit report free credit score Erie number, bank account information, or telephone calling-card information is extremely personal and valuable – and provides a means for identity thieves to access your credit.