Whether you want to know your current credit score, protect your credit, get a loan or apply for a credit card. We are here to help you get it done – quickly, correctly and securely.

Establishing and maintaining good credit is an important part of financial planning. Typically most individuals do not have enough money for emergencies, or to make major purchases such as a home, car, or college education.

Accessing credit has become an important part of our lives. Most creditors rely heavily on your credit reports for granting loans. Knowing what is on your credit reports and how to build and repair your credit is an important step to taking control of your finances.

Credit Bureaus

There are two ways to get copies of your credit report. One way is to pay the fee required by the reporting agency. The other is to apply for credit and get turned down. Within 30 days of being turned down for credit you are entitled to a free copy of your credit report. However, applying for credit and getting turned down shows up on your report as an inquiry that did not result in credit. It is a small black mark that stays on your report for one year. To avoid this, it may be better to pay the $10-20 fee.

The credit agency will require ALL of the following information: 


The three major credit bureaus are:

Order Credit Report: 800-685-1111
Report Fraud: 800-525-6285

Order Credit Report: 888-397-3742
Report Fraud: 888-397-3742

Trans Union
Order Credit Report: 800-888-4213
Report Fraud: 800-680-7289

Credit bureaus use codes, and the following is a sample of these codes and what they mean:

Who is Reponsible for the Account

J = Joint Account
I = Individual
T = Terminated
M = Maker(signer)
C = Co-Maker
U = Undesignated
A = Authorized User
B = On behalf of another
S = Shared

Type of Account

O = Open account (30 or 90 days)
R = Revolving or option account (open-end)
I = Installment Account (fixed number of payments)

Current Method of Payment

O = Approved, but too new to rate
1 = Pays account as agreed
2 = Pays after 30 days of due date but before 60 days, not more than 1 payment due at any given time
3 = Pays in more than 60 days, but less than 90, or two payments past due
4 = Pays in more than 90 days, less than 120, three payments past due
5 = Pays in more than 120 days
7 = Making payments under wage-earner plan or similar arrangement
8 = Repossession
9 = Bad debt, placed for collection; written off