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A good credit score is important and it is a very important tag of verification for many companies. And if you are in business, credit score can make or break your business. The credit report system designed for fast credit decisions by lenders and fast credit availability loses shine if it is infested with errors.

How to check for errors?

There are three agencies, Transunion, Equifax, Experian maintaining credit score records. Lenders or other agencies may refer to credit reports from one or more agencies. So it is important to look at credit reports from all three.

creditnexus.com is a wonderful online resource to get free credit report.

The 3-in-1 credit report by Credit Nexus is designed to give a complete overview of your credit history rating. The comprehensive annual credit report, includes a review of your credit information from three major credit reporting agencies - TransUnion, Equifax, Experian. Any errors or discrepancies in the three reports can be easily checked at one glance.

If you find bogus accounts indicating identity theft, you can report the same and
freeze your credit report to avoid losses. If you find discrepancies, you can report the same to the agencies, or decide which accounts to close. Once your reports are in order, it is time to plan for improving credit score & credit repair. If your credit score is low, plan and take necessary actions to improve yur credit rating. Credit repair is a difficult job and you may need the services of professional to study your case and recommend short term & long term financial planning that may help you reach a good credit score.

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