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Credit Reporting and Repair

There are three major credit reporting agencies: , , and .

Each of these credit reporting agencies receives information from credit grantors such as credit card companies, stores granting credit, mortgage companies, and banks. They compile your credit history and compute your credit report scores.

They provide your history and credit report scores to others who have a genuine interest in your credit worthiness.

Credit Report Scores - How to See Them

Each of the three credit reporting agencies can provide you with a one-time copy of your credit report. Equifax, Experian, for example, will provide your report online for a fee of $9. Trans Union charges from $7.50 to $9 for your credit report.

All three credit reporting agencies will also provide a one-time copy of a "3-in-1" credit report. This contains your credit reports and your credit report scores from all three reporting agencies. Trans Union charges $34.95 while Equifax and Experian each charge $39.95.

Another group, Online-Credit-Reports, obtains your credit reports for you and then provides free continuous access to your "3-in-1" report and score. You can review these documents online as often as you like and watch your credit improve.

Credit Report Scores - Improving Then

A good score helps you get the best loans. The loan officer will be glad to see you because you will:

• Qualify for a larger loan
• Get a loan faster
• Get the best interest rates.

There are steps you can take to improve your score

The first thing you must do is take action to become a good credit risk. Pay your bills on time and do not use charge cards unless you can always make the required payments on time.

If you are deeply in debt there are some steps you can take to get your finances back in balance:

• Transfer high interest debt to a lower interest consolidation loan
• Think differently while shopping using these spending tips
• Establish a personal budget
• Obtain guaranteed Mastercard to establish good track record

Net Detective's BACKGROUND WIZARD will open up -- and make easily accessible to you or your company -- the whole vast world of public records, both online and offline.

You need no experience at all to conduct background checks using your program. Just follow the instructions and Net Detective will direct you to all of the public records you need for a full background check.

Find People Online

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Can Net Detective find people better than the free search services you can find on the Internet?

I did a search for Mike Wendland, a contributor to the Detroit Free Press. The results show that you can get more information from Net Detective.

Overview of Search Results

Search Tool	People Found	Listed Household Residents	Listed Phone Number	Finds PO Box Holders
Net Detective	3	Yes	Yes	Yes
Switchboard.com	1	No	Yes	No
AnyWho.com	1	No	Yes	No
InfoSpace.com	1	No	Yes	No
WhitePages.com	1	No	Yes	No
WhoWhere.com	2	No	Yes	No
people.yahoo.com	2	No	Yes	No

To find people online you need the most up-to-date and complete database available. Net Detective has the database to allow you to find people online.

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