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The Perfect Choice for that Perfect Score for You

By Andy Snyder
Published: Thursday, December 10th, 2009

You have been a good citizen. You pay your taxes and even follow traffic rules consistently. You actually are not be aiming to be a model citizen, instead, what you need is a loan. Well a good credit report advice will tell you that you are indeed on the right track. Being consistent with regards to your payment history is also plus factor in your credit reports. These are viewed by credit companies and you are then given a high credit score, enough for you to have a loan with a low interest. Isn’t that exactly what everybody wants?

Now that you are aware your credit score, you do not want to jeopardize the moment so keep track of it. The next thing to do is to choose a credit reporting company who will help you to monitor your credit reports and to be sure that your high credit score stays that way. It was a struggle, after all to receive a high credit score. A credit report advice will prompt you to choose from the 3 major credit reporting companies namely Equifax, Experian and TransUnion.

The services of the 3 major companies does not differ that much. Examples of services that are common to the 3 are their 3-in1 reports (this includes the credit reports from the 3 of them), online monitoring of credit reports – 24/7 , free credit report advice , monitoring of score cards, your FICO scores, and your Vantage scores. They also have a service they term to as The Triple Advantage which will let you monitor your 3 credit reports from the 3 of them.

On the other hand, some of their differences according to a credit report advice are found in their pricing for certain services. Experian charges $10 monthly for credit report monitoring online while Equifax charges slightly higher at $11. TransUnion has the friendliest website among the 3; with its site as the most easy to navigate even for the visually impaired people because of their own Braille version. The advantage of Experian is its Vantage Score for it is most accessible on their website and is readily available for only $7.95.

There may be a lot more similarities and differences among these 3 major credit reporting companies. It is after all a competition and they will not stop unless they have the most number of subscribers. What you need you do as consumer, according to a credit report advice, is to grab the opportunity and avail of their different free trials and freebies. An example is their 3-in1 reports which can be free for a trial period of 7 days. Maximizing their free stuff will give you an option and will let you experience the advantage of being one of their subscribers. 

There are a lot of decisions in this life. The choice is up to you. Will it be Experian? Is it going to be TransUnion or Equifax? In the end, it all boils down to having the perfect credit history that will suit the perfect credit reporting company to have a perfect credit score for that perfect loan and perfect car of your dreams.

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