Credit reports come in all shapes and sizes. From the most comprehensive service, to the most basic report, the choice is yours as to which credit report to you ultimately decide to get. Of course, if you choose to purchase a credit overview from a website online, you will be given a number of options depending on the price you are willing to pay.
Some services are free, whereas others can charge up to $50 to provide you with the most comprehensive credit report available. Not only will this give you detailed information on your credit history and current score, but will also provide an analysis on how you can increase your score, and hence become a better creditor in the future.
One such credit report that you are able to obtain through the Internet is called a three in one credit report. Basically, this provides you with three credit reports in just the one overall portfolio. Why on earth would you want to purchase one of these? Because, a three in one credit report is probably the most comprehensive and detailed credit history analysis that you are able to receive.
It is an especially useful report for obtaining information from three main companies which hold your credit history, ready to be accessed by anyone who wants to see it. Usually, whenever someone is about to lend you a sum of money, or sign you up to a new contract – they will check with one of the three major companies to see what they have to say about your past credit history.
If your credit report is not up to standard, you run the risk of not receiving that credit. It is for this reason that you should stay on top of your credit report, by using the 3 in 1 credit reports.
If you are not convinced, talk to the website which is enabling you to access this report. Ask them what is so different about the 3 in 1 credit report, versus other alternatives on the website.
It may indeed be the case that this is not the best report for you. Everyone is in a different situation, and therefore everyone needs a different solution to their credit history issues.
However, one thing is sure. That is that regardless of whether you have good credit or bad credit now, you are going to want to look after your credit report so that in the future you can not only be successful, but you can also have the financial freedom that you deserve.