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If you choose not to cancel the free trial, you will be billed only $9.95/month. If you choose not to cancel the free trial, you will be billed a $79.90 annual fee.

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HOW OFTEN SHOULD I GET COPIES OF MY CREDIT REPORT?

It is a good idea to order copies of your credit report from all three of the largest companies at least once a year, because mistakes can happen and the information each company has on file may be different from what the others have. A growing crime called identity theft is another reason to check your credit. By checking your report once a year, you are more likely to find out if you are the victim of crooks who use your personal information, such as Social Security number and date of birth, to apply for credit in your name and use it to buy jewelry, electronics or even cars

ARE CREDIT REPORTS ALL THE SAME?

No. Each of the three reporting companies' reports look different and may not contain the same information. The companies maintain their own databases and do not often share information.

WHAT SHOULD I DO IF I AM DENIED CREDIT BECAUSE OF SOMETHING IN MY CREDIT REPORT?

The lender denying you credit must give you the name, address, and telephone number of the credit bureau that provided the credit report. At that point, you have up to 60 days to request a free report. Most consumer reporting agencies provide consumers with copies of their reports. A few may make disclosure only in person or by telephone. The consumer reporting agency is obligated to let you know the nature and substance of all information contained in your report. It must also tell you the sources of the information and the recipients of consumer reports for the previous year (two years for reports furnished for employment purposes).

Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.