Experian Now Report Access
What is a Credit Report? Your personal credit report contains details about your identity and financial behavior. This user-friendly report is sometimes called a credit file or a credit history. Experian® collects and organizes data about your credit history from your creditor’s and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit.
How often is my Credit Report updated? In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it’s important to have access to your credit report every day.
What Our Members Say:
|“Checking my Credit Score helped me save over $3,000 on my credit card debt. It was quick and easy!”
– Anthony, MA
|“My credit score has gone up 43 points in a single month after checking my credit and disputing an error!”
– Leslie, CA
Your credit score is very important and is used by many organizations when determining your creditworthiness. Your credit score is made up of the following components:
- > 30% of your credit score is based on your credit usage
- > 31% of your credit score is based on your payment history
- > 15% of your credit score is based on the age of your accounts
- > 14% of your credit score is based on the types of accounts you have
- > 10% of your credit score is based on inquiries or “credit checks”
By using your credit score, a lender can evaluate the risk of extending credit to you. Whether it is buying a home or car, or even starting a small business, a credit score provides the lender a quick way to view your credit risk. This risk represents the likelihood of you paying your loans back and on time. A credit score can change frequently and goes up or down as information in your credit report changes. Your credit report could change daily as your creditors provide new information constantly. Checking your credit score is a good way to keep track of changes to your credit as this is indicative of positive or negative events (that have occurred) in your credit history.
To obtain your latest credit report from Experian, Equifax and Transunion, follow the link below.