| Whether
you are certain that your credit rating is strong, or
have had credit problems in the past and want to double
check that your credit rating has improved, it's a good
idea to review your credit report every few years and
check it for accuracy. Below are the names of the three
major sources of credit information. It's important
to check your credit before making a major purchase
like a car or a home, so that when you need to sail
through the loan process with your good credit, you'll
avoid any surprises. Generally, if you order a credit
report via the Web, you'll pay a minimal fee and get
the results within a day or two.
Many of the credit rating companies offer special programs
for periodic credit reports, fraud and ID theft protection.
For additional information about the specific program
available from the credit rating companies, refer to
their individual websites (see list below). The three
major companies used by most lenders or creditors checking
on your credit are:
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