In United States, a credit score is the strongest indicator of your credit worthiness. All banks, utility companies, your landlords and any other companies that you owe money to will have your credit score. Irrespective of your choice, your credit scores are available to credit companies. The rules of privacy don't apply to Credit scores. Their are various ways to keep a credit score healthy. Online credit check is a facility you can utilize to know your credit score and the factors that account for poor credit score and make the appropriate corrections. If your credit score is lesser then what you think should be, you can send relevant documents to credit bureaus and get your credit score corrected.
Three main bureaus that report credit scores
Actually Innovis (http://www.innovis.com/) is another one, but not as popular as the first three.
These popular credit agencies primarlily supply credit scores to various lending companies and other financial institutions. Credit companies get enough information about your repay history through the credit reports submitted by such agencies. You may need credit any time and you will need to check your credit report occasionally. Online credit check is a good practice to follow regularly. Especially, if you plan to take a Mortgage, a new apartment or condo or any similar major monetary transaction, then keeping a watch on your credit scores can be immensely helpful. You may need to subscribe to all the three agencies for a credit report about you. If you see something out of sense, you can point out the same to the credit company and make them correct it . These credit bureaus have easy-to-understand information which will help you understand the intricacies of credit score computation..
A bad credit score may not be always because of your poor credit repayment records. If your credit report shows any suspicious changes, it can be the symptom of an identity theft. In such an event you can protect yourself by reporting the activity to
In case of suspicion of Identity Theft, you should immediately contact the police. Send the police reports and other supporting documents to the credit agency. Ask them to freeze access to your credit score to prevent further damage. Someone who you have never heard of might be hurting you by using your identity. Worst, at times, even someone close to you might be secretly using your identity and carrying out financial transactions.
Online credit check is a real boon as it is almost real time. Plus, they have features whereby you can report discrepancies immediately. Also you can guard yourself from above described frauds like Identity thefts. If you have a good record of paying your dues and bills on time, then you are ensured of an excellent credit report.