* Credit Diagnosis provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Credit Diagnosis and its benefits providers are not credit repair services providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit service organizations or businesses, as defined by federal and state law. Credit services are provided by TransUnion Interactive, Inc.
** After verification of your identity, your scores are available for secure online delivery in seconds.
Learning the basics of the credit report process, and keeping your
credit report free of errors, is essential to good financial health.
The 3 major credit bureaus - TransUnion, Equifax, and Experian
- collect, maintain, and provide your report to landlords, businesses, and
employers who need to check your financial responsibility.
Why Do I Need To Check My Credit Report?
It's wise to check your credit report frequently for signs of fraud. If someone
obtains your social security number, only a few additional pieces of
information are necessary to commit fraud in your name. Common types of
identity theft include fraudulent bank accounts, credit cards, utilities, and
loans. Early detection is the key to avoid suffering long-term financial
What's In Your Credit Report?
Your credit report from TransUnion, Equifax, and Experian, the 3 major credit
reporting agencies will contain 4 important sections. Each contains one piece
of your total credit picture. Carefully check each report for common errors
such as misspellings, name confusions, and incorrect information.
Account report summary
(current and past credit status, number of open and closed accounts, balances
of accounts, historic high balances, payment history, if accounts are current
(bankruptcy records, government court records, liens, judgments and child
(a list of everyone who has requested your report in the last 2 years)
Detailed credit history (information about your loan payments,
credit card debt and payment history)
Why Do I Need To Check My Credit Score?
A good credit score is your passport to competitive interest rates for
mortgages, cars, credit card offers, job offers, insurance premuims and more. A
strong score is worth money because it saves you excess costs, so don't ignore
For example, see how a fixed 30-year mortgage payment varies according to
credit score and the interest rates it dictates. A difference of two
hundred points in score can offer a savings of $448 a month for the same
$200,000 house loan.
If your score is below 650, your future finances may be significantly affected.
Get a copy of your 3-Bureau Credit Report & Credit Score online today.
Did You Know?
Victims of identity theft spend an average of 175 hours and $800 to clear their
Only 2% of Americans know their credit score or what it measures.
79% of credit reports may contain errors that you are unaware of - usually an
indication that you have been a victim of identity theft or fraud.
provides information and links to credit related products and information.
Upgrades for a FICO score and other promotions are available from the provider.
Learn all the facts about credit management and credit monitoring at