Once you have decided you want to rebuild or improve your credit, the first step is knowing where you currently stand. This is a fairly simple step, which involves getting your 3 major credit reports. The 3 major credit bureaus are: Equifax, Experian, and TransUnion. Getting a credit report from each of them is vital because each credit report could be (and usually are) different. You may have a derogatory account or an inaccurate account on 1 credit report but not on any other credit report.
That’s why getting 1 of each is so important!
We need to make sure we get all the negative items removed
from all 3 credit bureaus.
We prefer you sign up for Identity IQ.
It’s only $1 to sign up for 7 days and then $19.99 mo afterwards.
This will allow you the ability to watch things fall off and
get updated as your credit coach works on your file.
Should you keep this service?
Yes we would like for you to use this monitoring service
for these reasons:
1. You will be able to monitor your 3 Bureau Credit Report & Scores. Credit Karma is not an actual credit score and only shows your Transunion and Equifax Report
2. We need to get account numbers from these reports. If any new items pop up and you don’t have a monitoring service we will not be able to attack them and have them deleted.
3. You need to protect yourself from Identity Theft this service comes with $50,000 ID Theft Insurance
