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Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed. According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report."
A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. [2] A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency. [2]
Based in Burlington, Ontario, TransUnion Canada is one of two [1] credit reporting agencies in Canada. Like their main competitor, Equifax Canada , they now market their credit reports directly to consumers, in addition to their core business of providing the reports to potential creditors.
Image Credit: Getty Images. Checking your credit is important. You want to keep tabs on your credit report so you can catch mistakes if inaccurate information finds its way onto your record.
The credit report, which leads to a credit score, is what dictates the amount of money you can borrow and at what interest rate. This affects your large purchases — house, car, boat, etc.
Free credit monitoring refers to methods or services that enable credit monitoring at no cost. Paid credit monitoring is a credit monitoring method or service that charges a subscription fee.
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