The 3 in 1 credit report lets you find out what the major three credit bureaus are reporting.
If you have
ever experienced any kind of financial difficulty, chances are
your credit report will not reflect your current financial
situation. Credit repair involves challenging negative
information on your credit report whether it is unverifiable,
old negative accounts regardless of accuracy by taking advantage
of the Fair Credit Reporting Act. By law the credit bureaus have
30 days to verify the information we inquire about with the
company that has reported it. They must be able to do so or they
must remove it from your credit report!
We cannot pull or order your 3 in 1 credit reports for you-- beware of companies that do! A company or individual must have a “permissible reason” for pulling a consumer credit report. Permissible reasons are: judgments, collections, extension of new credit and employment screening. Since none of these apply to credit repair we cannot do this for you. Inquiries also count against your credit score so we want instead to refer you to TrueCredit. Please click the following link, www.getreportsnow.com where you can order your 3 in 1 credit report and receive it instantly online for a minimal fee. It is a consumer disclosure and DOES NOT count against your credit score.
There are three major credit reporting agencies, also called Consumer Reporting Agencies (CRA’s). They are Experian, Equifax and Trans Union. These are private for profit corporations they are not government agencies. They assemble and sell your private personal information to creditors, insurers, employers, landlords and companies that solicit you for credit and insurance offers. Each bureau has its own data base and each may contain different information about you. To get the full picture of your credit worthiness, you will need reports from all three (3 in 1) credit bureaus.
We offer two types of Free Evaluations of your credit report. Please click the detective to the right if you would like us to evaluate your current credit situation free of charge and online. If you would like us to evaluate your credit report and call you personally, you may fax, email, or mail us a copy of all three reports and we will contact you as soon as we receive them.
3 in 1 Credit Scores... What do the numbers mean?
|Above 730||Excellent Credit|
|700 - 727||Good Credit|
|640 - 699||Creditors will want to take a closer look at your file. But overall you project an average risk.|
|585 - 640||You are a Higher Risk. This means you will not be eligible for the best interest rates.|
|Below 580||Poor credit risk. Unless you have something else to offer creditors, like good collateral, you will likely be turned down.|
Verus Financial, LLC