Credit Resources

Federal law mandates credit reports be made available to you freely on an annual basis. You can view your credit profile provided by the top three credit bureaus, Experian, Equifax, and TransUnion at Lawfully, you are able to receive one free credit report at a time, but what you may not be aware of is how other credit bureaus are constantly adding and reporting additional data on credit reports you may or may not be receiving.

Understanding credit terminology is key. Your credit report and your credit score are not the same. Fair Isaac Corp developed the FICO score, the most commonly used credit score in the industry. The FICO score is a number between 350 and 850 that predicts how likely you are to default on a loan after 90 days. You can purchase your FICO score from all three credit bureaus, or for just one, at Know the difference between all three of your credit scores and what they mean when re-establishing credit. With our resources, we can help educate you on the credit industry’s ever-changing regulations and options to help improve your credit.


Fair Credit Reporting Act

As credit scores become increasingly important in the finance world, laws governing credit bureaus are constantly being revised and established. Let our experts walk you through new guidelines and regulations which may affect your credit repair process. The Fair Credit Reporting Act (FCRA) is the law governing credit bureaus and it protects consumers. Equifax, TransUnion, and Experian have additional and helpful information to further aid in your knowledge of the credit industry.

Our credit experts are here to answer any questions or concerns you may have. Understanding your credit score and how credit bureaus work will help you in your journey back to trustworthy credit. To find out more about your credit, click on the links for additional information.