How To Get A Credit Report Your Business or Company and Keeping it Up To Date

Almost every consumer has a personal credit report as long as they use some form of credit. But there is also a business credit report which is the credit profile of a business if you own one. You should access and get a copy of your business credit report if your business works as an individual identity and has its own liabilities such as loans, credit cards etc. A business credit report pretty much works the same way as a personal credit report where negative information on a business credit report can affect the potential of getting approved for a business loan in the name of your business. A business credit report is representative of the financial worthiness and stability of your business. One of the places where you might consider your credit report for your business is Dun and Bradstreet.

Dun and Bradstreet offer a variety of services for monitoring your company’s credit such as general overview of your company’s credit worthiness, complaints if credit reports that include credit score as well as offering you a credit monitoring service.

Dun and Bradstreet also offer advice improving your company’s credit rating.

A business credit report will provide you with statistical data on the history of your company its location and income.

Like a personal credit report a business credit report shows the image history, current and slate accounts as well as the risk worthiness debt is updated by it to a lender who might use it to evaluate your application for a business loan. Information elected from public records such as lawsuits and tax liens will also be included on the business credit report. In case your business is not registered on Dun and Bradstreet you will need to use an alternative to get your business credit report such as using the Experian business services to obtain a credit report on the profile of your company. There are also various other services that can help you in providing you with a business credit report for your business.

Some of organizations providing business credit reporting services are Equifax Business, FDInsight, Credit.net and ClientChecker. While in the case of a personal credit report, it is clear that creditors mainly use credit report from three credit bureaus, things might be slightly more confusing it comes to business credit report since many different credit reporting agencies may have information regarding a business. Finding out from the creditor which business credit report uses may be a good idea before you check that particular business credit report before making an application for credit.

Just like information on a personal credit report needs to be kept accurate and updated, information on the business credit report should also be properly maintained so that your creditworthiness and risk factors are reported accurately.

Reasons why you should prefer to get your credit report online

Can you get your free credit report online? The answer is yes. Ordering a credit report online is safer than ordering it through mail. When you order your free credit report online you can access it immediately after providing some identifying information such as your Social Security number etc. You may also be asked other questions to which only you are supposed to know the answers such as details of certain accounts. Identity theft and credit fraud are all looming problems. In order to fight this threat you should view your online credit report. Online credit reports are safer to excess because it removes the human element. There is no risk of your online credit report getting misplaced you ring the time of being sent by postal mail. It is also a much quicker process where you can excess your online credit report immediately whereas sending it through mail might take up to 3 weeks.

However, whenever the credit bureaus send a credit report through mail to make sure that important information such as social security number is truncated so that it cannot be used even if the credit report gets lost in transportation. The best place to start if you want to access your online credit report is available to be taught annual credit report.com. This website is jointly maintained by the three national bureaus Experian, Equifax and TransUnion. You can order your online credit report from each of the three national bureaus at the same time or you can stagger your request over the next few months ordering one online credit report from each credit bureau one at a time. When you visit annualcreditreport.com, you can sign up for an account and will need to provide identifying information such as your Social Security number. No credit card number or bank information will be asked for.

Your free online credit report gives you access to a lot of information and insight about your credit rating and credit file. It will help you to ensure that all the information listed is accurate, updated and complete. Whenever you access your free online credit report you will also be able to file a dispute for any information that you feel is inaccurate. You may have the dispute instantly online submit your dispute in writing and include any copies of supporting documents that prove your claim. However, items that are older than one year will be a problem to remove. This is why it is recommended that you check your online credit report each year and frequently. In other to speak to a customer care representative at the credit bureau you will need to have a recent copy of your online credit report as that are the documents that the customer care representative will be looking at. Looking at the same file will ensure that the both of you are looking at the same information at the same time.

Where All You Get Your Credit Report and Fico Score

A need to order your credit report may arise in many situations a many people. Because a credit report is used for sowing different purposes and why so many different people that of using and checking your credit report is an important activity that every person must do at least once every year. Credit score credit report today is checked not only by lenders and creditors but by utility services, mobile phone operators, employers landlords and even hospitals. There are many ways in which you can access your credit report from a legitimate source.

Getting Your Free Annual credit report from AnnualCreditReport.com

This is the only legitimate way to get a free copy of your personal credit report from each of the three credit bureaus. You have been granted a right by the fair and accurate credit transactions act which is a federal law to access your credit report for free from each of the three major credit bureaus without any obligation Experian, TransUnion and Equifax.

Getting Your Credit Report Directly from the Credit Bureaus

You can also buy your credit report directly from the credit bureau. Each credit bureau has its own products and services to offer which includes a three in one report offer. Subscribing to 3 in one credit report offer means that you can view your credit report from all three national credit bureaus in one place and for one subscription fee. You can also get your credit report for free when you sign up for trial offer for one of the subscription services service. Commonly, a credit monitoring service is what the subscription is for.

Getting Your Fico Credit Scores From MyFICO.com

MyFICO.com is the only websites that sells fico credit scores. Fico scores were developed by fair Isaac Corporation over the creamy is in developing a method to calculate credit scores. MyFICO also sells and allows you to order your credit reports from the myFICO website. You can purchase individual credit reports or the three in one credit report containing all three credit reports and your credit score is.

Extra Free credit reports Every Year As per the Federal Law

Apart from the credit reports that is granted to you for free by the FACT act, there are other circumstances which are also gone by the same law under which you can order a credit report for free. These circumstances are:

If you have ever been denied credit based on the information present on a credit report — you’re unemployed and planning to look for work the next 60 days, you are on welfare assistance or you have been a victim of identity theft.

Under these circumstances you can also access your credit report for free from the credit bureaus.

Watch out for Impostor Websites When Trying to Get Your Credit Reports

There are many fishing scams related to credit notes. Apparently there are about almost hundred imposter websites for annual credit report.com. These websites either want to steal your personal information or want to trick you into signing up for a paid subscription service. In order to avoid such scams it is important that you visit only trusted websites to get your credit report, do not click on links in e-mails, if you do click a link on an e-mail check to see the address in your browser is the address you expected, enter personal information only into secure sites that have a URL beginning with HTTPs or with a lock in the lower right side of the browser or both.

Manage your Transunion credit report – Purchase, dispute and fight identity theft

You can get your Transunion credit report free one or more times in an year. You can buy it directly from Transunion. You can access your Transunion credit report instantly online. You can dispute any wrong information on your credit report by filing a dispute with Transunion either instantly online or by sending them a letter. You can file for identity theft protection, put a security freeze on your credit report and even check your credit score from Transunion.

Your Transunion credit report is one of the three most important credit reports that you are likely to have. Since different lenders might be using credit reports from different credit bureaus it is advisable to view and manage your credit report from each of the three national credit bureaus. Because of the fact that no one lender uses the same credit report as the other your credit report with the three national bureaus might be different to each other. It is better if you know what exactly is listed on each one of them separately.

Ordering Your Transunion Credit Report

You can order your Transunion credit report for free from www.annualcreditreport.com. The federal law requires Transunion to give you one free copy of your credit report each year. You can also order your free credit report from any of the national credit bureaus by calling 1877322 8228.

You can purchase your Transunion credit report directly from Transunion in case you have already used up your free annual credit report. Buying a credit report directly from Transunion.com will cost you $14.95. Transunion doesn’t offer a free credit score order a free credit report in exchange trying out there subscription to the credit monitoring program which is offered through true credit.com.

Another way to access your Transunion credit report is when you sign up for the three in one credit report offers which can be found with plenty of vendors. Even experienced offers a three in one credit report offers which means that when you sign up for this offer you get the credit report from all the three national bureaus Experian, Transunion and Equifax.

Disputing Errors on the Transunion Credit Report

This is the primary steps that one takes to clear up their credit after reviewing their personal credit report. If your credit report comes with errors and mistakes on it and you can dispute those errors with the credit bureau. The process of filing a dispute is most easily followed by doing it online will stop when you order a free credit report online it usually comes with instructions as to how to file a dispute.

You can usually do it simply by taking a link in a special section that is marked for filing disputes. You also file a dispute with Transunion in writing. You can use the request for investigation form offered on Transunion’s website or write your own dispute letter. The format of a dispute letter is already been demonstrated in serious post.

It is a good idea to send a copy of your Transunion credit report to the Transunion credit dispute department after having circled the errors for their attention most of in order to send a dispute to the Transunion dispute department you’ll have to ship your dispute letter as well as any supporting documents to Transunion’s credit report dispute address:

Transunion Consumer Solutions P.O. Box 2000

Chester, PA 19022-2000

Fighting Identity Theft on Your Transunion Credit Report

Whenever you are a victim of identity theft you must let are concerned credit bureau know. Transunion allows you to put a security alert on your credit report as well as to flagged to prevent further identity theft. Putting a security alert or flagging a credit report with Transunion will result in the lender being want to take extra security steps whenever he has viewing it fought the purpose of credit approval.

Fraud alerts and usually last for 90 days or one year for active military duty personnel who are sent overseas.

You can place a fraud alert on your Transunion credit report by calling 18006807289 or sending a written request to the Transunion Consumer Solutions, P.O. Box 2000, Chester, PA 19022 — 2000. If you place a fraud alert with any of the three national credit bureaus the rest of the credit bureaus will catch notified automatically.

You can also place a security freeze on your Transunion credit report which will prevent anyone from accessing your credit report. No lender will be able to make an enquiry into your credit report until you unlock it with a pin number of the password it is provided to you during the time of putting the security freeze. You can freeze your Transunion credit report online, over the phone by calling 18889098872 or by sending a written request to Transunion, Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834.

Checking your credit score with Transunion

Transunion uses the fico credit score which is the most commonly and widely used credit score by lenders and consumers. You can purchase your fico score based on the Transunion credit report from myFICO.com. Transunion also provide a copy of their own credit score which is called a FAKO credit score. This credit score is available for free at creditkarma.com.

Manage your Equifax credit report – Buy, dispute and fight identity theft

You can get your Equifax credit report free one or more times in an year. You can buy it directly from Equifax. You can access your Equifax credit report instantly online. You can dispute any wrong information on your credit report by filing a dispute with Equifax either instantly online or by sending them a letter. You can file for identity theft protection, put a security freeze on your credit report and even check your FICO credit score from Equifax.

Your Equifax credit report is one of the most important credit reports including the other two from the other national bureaus. Lenders commonly used credit reports from the three national bureaus Experian, Equifax and Transunion. Since different lenders may be using credit reports from different credit bureaus it is better to you to manage and maintain credit reports at all the three national credit bureaus.

How to order your Equifax credit report

You can a free copy of your Equifax credit report by logging on to www.annualcreditreport.com. According to the laws laid down by the fair credit reporting act you can access a copy of your credit report from each of the three national credit bureaus for free once every year.

If you need additional copies, you can order your annual Equifax credit report by calling 18773228228 or by mailing in a request form. You can also order directly from their website.

Buying the credit report from Equifax will cost you $11. Equifax also gives you a free copy of your under certain circumstances as stipulated under the Fair Credit Reporting Act. These circumstances include:

  • Being denied credit based on the information contained in your Equifax credit report.
  • Being on public welfare
  • Seeking employment 
  • Been a victim of identity theft.

An equifax credit report can also be obtained when you sign up for the 3-in-one credit report package that all the credit bureaus offer. 

Different states can have different policies regarding your access to your credit report. Certain states have a discounted rate or make it completely free. Read this post to know what credit report rules apply in your state.

Disputing errors on Equifax Credit Report

Any credit report can contain errors. Errors can result when lenders provided wrong information to the credit bureaus or forget to update the accounts of their consumers. Errors can also happen during transcription of information by the credit bureaus before putting it on to the credit report.

Mistakes can happen while reporting Social Security numbers, spellings of the name as well as transposing numbers and digits. On reviewing your Equifax credit report if you find that your report contains mistakes and errors you can dispute these errors with the credit bureau as is your right under the fair credit reporting act. Any information that can be substantiated by the lender has to be updated or remove as you request.

A credit bureau has 30 days to launch an investigation an uprising of the results of the dispute first of. Usually when you order your credit report online you are also provided access to a section from where you can dispute the errors on your credit report. The websites of all the three national credit bureaus have a section of filing disputes from where you can go through the process quite simply if you have a recent copy of your personal credit report.

You can also dispute the credit report by Equifax through postal mail. You have to write them a credit dispute letter, highlight the errors on your credit report and send any supporting documents in favor of your claim to Equifax credit report dispute address:

Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 – 0256

Fighting Identity Theft on Equifax Credit Report

If you believe that you have been a victim of identity theft you should let Equifax know immediately so that you can have your credit reports flagged to prevent further incident. A fraud alert on your credit report will let the lender no that they should take extra caution to confirm the identity of the person whose applying for credit the next time they will your credit report of purpose of approval of credit. Fraud alerts generally last 90 days or one year for active duty military personnel were sent overseas.

Can easily follow the process of a fraud alert or security freeze on your credit report online.

You can also place a fraud alert on your Equifax credit report by calling them on 18005256 to 85 or by sending in our request in writing to P.O. Box 740241, Atlanta, GA 30374 – 024.

Check Your Equifax Credit Score

Equifax also offers the fico credit score which is the most commonly used credit score owed by lenders and consumers. You can purchase your fico score based on the information present on your Equifax credit report from myFICO.com. However Equifax also offers their own credit score which is known as VantageScore. VantageScore has gained popularity to lenders as it is supposed to be a more accurate credit score and takes into consideration the information present on the credit files of all the three national credit bureaus. It is only score that is meant to give the same results across the three different credit bureaus provided the information present on them is the same.

Manage your Experian credit report – How to buy and dispute errors

Your Experian credit report is one of the three most important credit reports that you. Because different lenders might use credit reports from different credit bureaus it is wise to check and maintain your credit report with all the three national credit bureaus.

The first step in managing Experian credit report is to learn how to order it.

How to order your Experian credit report

You can order one personal Experian credit report from www.annualcreditreport.com for free. You can do this once in 12 months.

You can also get your free Experian credit report by calling 1-877-322-8228 or by mailing in a request form.

The address to which the request form must be sent Is : 

Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

However, for the time that you need to purchase your Experian credit report, you can do it directly from the credit bureau. An Experian credit report will cost you $10.

Experian also offers subscriptions to their credit monitoring service which allows you to gain access to your free credit report and credit score through their website. You may try out a 7 to 14 days trial offer if you are interested in this service.

You can also consider one of the ‘three-in-one’ credit report offers that are commonly found with several online vendors as well as the credit bureaus. The 3-in-1 credit report allows you to see your credit report from all the three credit bureaus simultaneously, in one place and for one subscription fee.

Disputing Errors on Experian Credit Report

As with the credit report from any of the credit bureau you may find that your Experian credit report also contains errors. These errors can be a result of inaccurate reporting on mistakes made by lenders or due to an error in transcription during the time of recording information on your credit.

However the federal law provides every consumer has the right to dispute inaccurate information on their credit report. Disputing errors on the experience report is easy when you order your own personal copy online.

When you access your credit report online, you are instantly provided with a special link which you can click to dispute any errors. Their website also has a section that allows you to file disputes in case you have a recent personal copy of your credit report. You can also file a credit report dispute in writing a sending them a dispute letter.It is a good idea to send a copy of your credit report to experience where the errors in the credit report have been highlighted by you.

You should send any supporting documents you have to Experian for the purpose of disputing the errors. The address for sending the credit report dispute letter to Experian is:

Experian Dispute Department P.O. Box 9701

Allen, TX 75013

Fighting Identity Theft on Experian Credit Reports

If you have been a victim of identity theft you should let Experian know about it must that you can have your credit reports flagged to prevent further ac incident. A fraud alert can notify anyone who pulls your report with the purpose of a credit approval process that the credit report has been flagged and they should take additional security measures to verify the identity of the person who is applying for credit.

You can place a fraud alert on your Experian credit report online, over the phone by calling 18883973742 or by sending in a letter by mail to P.O. Box 9532, Allen, Texas 75013

you can place a security freeze on your Experian credit report which will prevent anybody from viewing your credit report without your unlocking it first. No new lenders will be able to access your credit report unless you unlock it with in number on the password that will be provided to you during the time of putting a security freeze will stop you can visit the experience credit freeze page to get detailed instructions are freezing and increasing your credit report must a.

Check Your Experian Credit Score

Unfortunately Exparian does not allow consumers to access their FICO score. The credit score that you get from Experian is the Vantage Score.

The thing to know about credit scores is that regardless of what credit score you view, FICO or VantageScore, if one of your major scores is good, the other is likely to be in the same state. The only difference may be in the actual number of the score as different credit scores use different grading systems.

You can order your VantageScore credit score from Experian by visiting their website www.experian

3 Ways To Get Your Credit Report and FICO Scores

A credit report has become an extremely important document for a consumer.  Since lenders make lending decisions based on the information present on the credit report on, employers use it to assimilate the responsibility and character of potential employees, landlords use it to verify their future tenants and even certain utility services crosscheck the credit report before activating the service.  For this reason the federal law gives the consumer to write to view their own credit report for free from each of the National credit bureaus once every 12 months.  You had to make full use of this long to ensure that the information present on your credit report is accurate and that no suspicious activity has occurred under your identity due to identity theft or fraud.

There are three major ways in which you can access your credit report.

Get it Credit Report Free from annualcreditreport.com

Annualcreditreport.com is sites that has been established as a joint venture by the a national credit bureaus.  You can access your credit reporting for free from each of the three national credit bureaus that is Experian, TransUnion and Equifax once every 12 months.  This is the centralised site that consumer your free credit report according to the fair and accurate credit transactions act and is the only place where you can get a free credit report from the three major credit bureaus without any obligation.

Getting the Credit Report from the Credit Bureaus

You can also order your credit report from each of the three credit bureaus individually.  These reports will typically be chargeable.  The amount of money that you need to pay to access your credit report depends upon the state that you live in.  The view more complete information about the charges that are applicable in the state that you reside in, visit www.crediaid.com/free-credit-report.htm
the credit bureaus typically offer various different packages to sue different consumer needs.  You can sign up to the access a single individual credit report, a 3-in-1 package that gives you access to the credit report on from all the three national credit bureaus in one place or a credit monitoring service that allows you to check your credit report on as many times as you like not just for yourself but your entire family.

·    Equifax credit report products <http://www.equifax.com/credit-product-list/>
·    Experian credit report products <http://www.experian.com/consumer_online_products/index.html>
·    TransUnion (True Credit) <http://www.truecredit.com>

Getting Your Credit Report and Your Credit Score from My FICO.com

Fair Isaacs Corporation is the company that is credited with initially developing the first credit scoring model known as the FICO credit score.  Not only can you order your FICO credit score from the website of my FICO.com but also purchase credit reports either individually or 3-in-1 report containing reports from all the three national credit bureaus.

Qualifying for More Than Three Free Credit Reports

Even every eligible to receive a free credit report apart from the one that you access from www.annualcreditreport.com.  These circumstances include having been denied credit based on the information present or credit report, being unemployed and planning to look for a job in the next 60 days, being on welfare assistance or being a victim of identity theft. Under the circumstances you were entitled to a free credit report as well. Visit http://crediaid.com/info/03/free-credit-report-under-fcra-and-fact-act/ for more information on your free credit reports under the FCRA and the FACT act.

Warning For Ordering Your Credit Reports

At any given point of time be extremely careful where you order your credit report from.  There are several phishing and scan websites operating under the gimmick of providing credit reports.  Reports are that there are almost 100 imposter websites trying to misrepresent themselves as annualcreditreport.com.  These websites will either steal your personal information or trick you into signing up for paid subscription service.
Only was it trusted Web sites to get your credit report.  Do not take on offers and links sending e-mails.  Always check the address of the website in the address bar and if it is exactly where you went into to go.  Always fill in your personal details on secured websites that have their countries beginning with an HTTPS://.

It Is Safer to Order a Credit Report OnlineTo Prevent Identity Theft

It is an accepted fact that identity theft and credit fraud happens only due to human intervention.  When you or your credit report online the committee shall happens between two machines which is your computer and the server at the end of the credit bureau.  This connection is highly secure as it is encrypted.  When you what are your credit report online you have two pass through a battery of identification tests. You are asked to provide certain information that only you should be privy to such as your mortgage loan account number, here Social Security number etc

Once your identity has been suitably identified you gain access to credit report immediately and all the data transfer occurs over a highly encrypted connection. The data transfer happens quickly and securely so that it would be near impossible for anybody to capture this information.

Many ordinary credit report by mail you will be required to send certain sensitive identification documents by mail to the credit bureau along with your application requesting the credit report.  This poses a risk to begin with as your letter might get misplaced or stolen and your identity compromised.  Conversely when the credit mails the report back to your address, there is a possibility of a similar occurrence. Also ordering a credit reports through regular mail is a lengthy process. It may take a week or more than that for your application to reach the credit bureau, to get processed and for the credit report to reach back to you.  This can be inconvenient if you require your credit report urgently.

It should however be noted that whether you order your credit report on the Internet or through regular mail sensitive information is truncated or deleted in order to safeguard the individual from identity theft and to protect his or her privacy.

The Social Security number is either truncated deleted from the credit report.  Since it is understood that you must have provided the Social Security number while applying for the credit report there is no need to mention it on the credit report.  Any account number will most likely be truncated so that only you can identify the proper accounts as you will know the full account number.

A Landlord Can Share Credit Reports with A Tenant

A landlord can share a credit report with a tenant for the purpose of discussing any information that he might find objectionable wishes to clarify with him. If the landlord decides to refuse the tenancy based on certain information present on the credit report then he must inform the consumer of the significant factors that affected his decision.

However, it is always recommended to the consumer to get his own personal copy of the credit report since viewing the copy that is meant for a business often causes confusion in the mind of the consumer. The credit reports that is meant for a business is quoted differently and according to the needs of the business which in this case will be a landlord. Certain information that is present on your personal copy of the credit report will not be present on the business copy.

Getting your own personal report becomes even more important when an adverse action has been taken against you based on some information present in the report. First of all you are entitled to a free credit report when this happens. Even if you have already accessed your one copy of the free annual credit report you can get another one in case you are denied tenancy based on the credit report.

Secondly if you wish to seek clarification on the information present with the credit bureau you will need to have a personal copy in your hand as that is the exact copy that a customer care representative from the credit bureau will be looking at. Matching accounts and transactions will become very difficult if the two of you are looking at different versions of the same credit report. It is recommended that you have a credit reports that is not older than three months before seeking help from the credit bureau in order to rectify disputes information present on it.

Apart from the one free annual credit report that you are entitled to you can also get a personal copy of three is an adverse action has been taken to use such as marketing up to four credit, if you believe you have been a victim of fraud and identity theft, if you are unemployed and are seeking a job or if you received welfare assistance.

Some state laws and able their citizens to get more than one free credit report each year, while others offer them at a reduced price. In order to see how you can get a free credit report in your state see the following article How To Access  Your Free Credit Report.

A Tri- Merged Mortgage Credit Report Can Be Shared with the Consumer

The fair credit reporting act allows the lenders to share the reports they receive as a result of an enquiry with the consumer.  The reports pulled by landlords and employers can also be shared with the person that it belongs to for the purpose of explanation and discussion.  A Tri- merged report is particularly common in mortgage lending and is prepared by combining the consumers credit reports from each of the three national credit bureaus.  A mortgage company usually takes the service of the third-party mortgage reporting company in order to do this.  The mortgage reporting company pulls the consumer’s report from each one of the national credit bureaus and merges them into a single report by removing duplicate accounts and performing other procedures to make a comprehensive picture of the consumer’s creditworthiness based.

A mortgage reporting company may also provide analytical analysis and apply credit scores before sending it to the mortgage lender.  The legislation allows the sharing of the reports by the lender with the consumer as they may need to discuss it with the borrower.  It should be remembered both by lenders and that the consumer that the credit report provided to businesses is specifically meant for the business and the lending decision making process.

Certain information is missing from the business credit reports such as contact information for the credit bureaus, disputing instruction and the record of soft enquiries.  The personal credit report that a consumer gets directly from the credit bureau includes the same credit report information but in a format that is very easy to read and understand.  Each enTri- is numbered and contact information is provided for the person to dispute information they believe is inaccurate.  Information like enquiries that have been made into the credit report along with names and addresses and contact information for lenders is shown only on the personal credit report meant for the consumer.

It is difficult for a consumer to get assistance from a customer care representative of a credit bureau without ordering a recent copy of his personal credit report as that is the exact copy that the representative will be looking at when providing assistance.  The consumer will be able to provide the same point of reference to the representative without which searching for the same record on two different credit reports can become time-consuming and frustrating.

While a lender can share his copy of a Tri- merged report to the consumer she should explain to the consumer that in order to better understand his credit report he should order of his own personal report from directly from the credit bureau.  He should also inform the consumer that any other analytical data that he might have received such as credit scores is not a part of the personal credit report, especially if he is accessing his from the website of the annual free credit report.  They will most likely have to purchase a credit score separately as an additional service.  If any adverse action is taken based on the credit report from a certain credit bureau such as the denying the credit, application the consumer becomes eligible to access of free credit report from that particular credit bureau..