Do you know your Credit Score? See Your FREE Transunion Credit Score™* Online
• Get your FREE Transunion Credit Score™
• Also receive a free trial to Transunion 3-Bureau Credit Monitoring
• 24/7 credit file monitoring and alerts of key changes to Equifax, Experian, and TransUnion credit files.
• Ongoing access to your Transunion Credit Score™
Identify Inaccuracies and Mixed Credit Files Simple clerical error or data mixed in from the credit file of someone else with a name similar to yours.
Tracking Payments Make sure your payments to current commitments are being applied to your account on time and are reported properly to identify incorrect 30 day delinquency reports.
Identity Theft The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened.
Identify Excess Unused Credit To make your credit more attractive to a potential lender, consider reducing the number of revolving
charge accounts that are listed as active on your credit report, (even if you no longer use them).
Store Cards taken out to benefit from a one-off discount for example. Lenders will sometimes view too much revolving debt as a negative when considering a loan application. In situations where you have
stopped using a credit account, it is often a good idea to close the account if you don't plan to use it
anymore. Make sure your creditor notates the account 'closed at consumer's request'.
Otherwise, a prospective lender might assume the creditor closed the account for other reasons.