Free Credit Reports and Credit Scores
Welcome to the Personal Credit Bureau Services
With the current credit crisis casting a dark shadow over almost everyones personal finances, it is extremely important that you have knowledge of what your current credit score is before you start to seek out finance. With a free credit report from PCBS' partners you can check all three of the main credit unions of the USA with one application. What's more, the initial monthly fee for this credit report is waived and you can cancel at anytime.
Helpful Articles
A Beginner’s Guide to Credit Scores
Do you know what your credit score is? You probably do, because that little three digit number is almost as important as your Social Security number when it comes to getting things like a job, a home, a car, insurance, or a credit card. This number can change, depending on the state of your credit. If your credit is AAA, you will have the highest possible credit score.
Contacting The Credit Bureaus
The law states that you have a right to see your credit file at times other than the once a year free credit report that you can request from the three major credit bureaus. If any of the following circumstances apply to you, you can contact TransUnion, Experian, or Equifax at any time.
Free Credit Reports
See all three of your credit reports and credit scores with your 7-day FREE Privacy Matters 1-2-3 trial membership.
Monitoring and reports from the three credit bureaus - TransUnion, Equifax and Experian.You'll also receive Your Savings ClubSM, a premier shopping and savings program. Free for 7-days, $19.95/month if you do not cancel. Cancel anytime.
Recent Credit Report Articles
Michigan Insurers Can’t Use Credit Scores To Determine Rates
The Michigan Court of Appeals made a decision today, prohibiting Michigan home, auto, and casualty insurance providers from using policyholders’ FICO credit scores to determine their rates. The Court of Appeals had overruled a decision made by a lower-level Michigan court in 2005. Read More →
Federal Government Cuts Interest Rates
The US Federal Government has recently announced a large 75 basis point rate cut, which brings the total key rate to only 2.25%. In doing so, the prime rate will also fall, bringing itself down three-fourths of a percentage point, leaving it at 5.25%. This strategic maneuver, deftly employed by the FOMC,...
Handle Your Credit Wisely
America recently hit a pretty severe economic downturn, and the country is still recovering from this misstep. Ask any random citizen of the country, and he or she can tell you at least one thing that has been affected in their respective life. From commodities to employment, nothing was spared, as shock-waves...