free instant credit reports @ credit report center online



Credit scoring brings a new level of fairness to the credit-granting process. It is a method that uses statistical standard to assess an individual's credit eligibility based on their credit history and current credit accounts.With your credit report in hand, you should have a careful look at it to be certain that it is not a bad credit report - meaning no billing errors or charges that are fraudulent or questionable. The widespread use of credit scoring such as the Credit Bureau Scores developed using the FICO score allows for speedy, objective analysis of credit histories. This means that borrowers who score well can get loan approval or credit almost instantly.

Experian, Equifax and TransUnion. These are the three major credit bureaus that works with FICO, though they do each have their own individual scoring methods. Equifax uses the Beacon Score system, TransUnion uses the Empirica system, and Experian has the Experian/Fair Isaac system. However, each of these individual systems are all based on the original FICO concept.In general, you are likely to be considered a better credit risk if your FICO score is high. Lenders usually check all 3 major credit bureaus before extending credit to an individual. That's why it's crucial to get a credit report from each of the 3 agencies in order to get an accurate view of what the lender sees about you. Check out for more information on how to get a free credit report in an instant!

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