Credit Report Learning Center

Your 3-in-1 Credit Report Is Waiting — Get It NOW!

While other credit reporting services make you pay to see your credit reports from all three bureaus, Privacy Matters 1-2-3 gives you immediate access to all of your credit information — and you can see it all instantly, thanks to a FREE 7-day trial membership in the program. Not only can you enjoy convenient access to your credit information, you can see what all three credit bureaus — TransUnion, Equifax and Experian — have to say about your credit history in a single, easy-to-read report that merges all of their information into one order.

Learn more about a 3-in-1 credit report.

Get Your 3-in-1 Credit Report — Instantly!

Knowing what your credit report says — and what your credit score is — can be a valuable tool when shopping for a loan or other line of credit. After all, lenders and other commercial companies can and do use your credit history to help them determine what interest rate you'll pay on credit balances, so you need instant access to that data whenever you need it. Now, with a 3-in-1 credit report, all that information is available with just a click or two. Before you try to lock in an interest rate, be sure to check out your credit history.

Learn how to get your credit report instantly.

Do I Really Need to See My Credit Report?

Ordering a credit report may just seem like busy work in the loan application process, but applying for a loan without knowing your credit history is like applying to college without knowing your grade-point average. The lender will check your credit report, and you don't want to be at a disadvantage when discussing your loan. Fortunately, you can request an instant 3-in-1 credit report to help you negotiate your interest rate with the confidence of a top-ten student. So if you're wondering, "Do I really need my credit report?" the answer is yes, and the solution is as easy as 1-2-3.

Learn why it's important to check your credit report.

Is Credit Monitoring Worth the Money?

Credit reports and credit scores are all the rage these days, but what about credit monitoring? Isn’t it enough to know what your credit report says and what your credit scores are without having to keep track of what’s going on in your credit bureau records on a daily basis? Well, no, not if you’re planning to make a major purchase (like a new home or car) in the next six to 12 months, and not if you’re concerned about the threat of identity theft. Credit monitoring services can help you time new purchases so that your credit history and credit score are in their optimum condition when it comes time to negotiate a mortgage or car loan. Credit monitoring is also your first line of defense against ID theft, because it alerts you to any changes in your credit bureau files — including changes that you didn’t originate or authorize.

Learn why credit monitoring services are a vital tool.