Credit Score: USA Credit Reporting Companies like FICO

Looking for USA credit reporting companies? Want to learn what is a credit score all about? Know the major credit-reporting companies in USA. This page is about credit scoring and identity theft recovering with these 12 useful websites. These websites allows you to know information on your rights as a consumer and teach you about how your credit affects your insurance. One of these websites are the websites of major credit-reporting companies and some are good resource on a voiding and recovering from identity theft. There are also websites that can teach you the best guide on how recovering from ID theft like the Privacy Rights Clearinghouse’s ID Theft Victim’s Guide.

What is a Credit Scores?

A credit score is a number that attempts to rank you on some level of credit worthiness. The credit score might tell potential lenders how likely you are to make late payments.

“Your credit score does not determine whether or not you get a loan. The credit score is simply a number that ranks you with the rest of the population. Your lender may have a policy on granting loans based on credit scores, but the scoring programs do not know that. They just generate a score.”

Who Reports Your Credit Information?

Organizations that are talking about you are lenders, government and court systems, prospective lenders that you never worked with, collection agencies and credit-reporting companies. Organizations and financial firms such as insurance companies, landlords who rent properties, banks and retailers will report your credit information if you used their services.

Credit Score: USA Credit Reporting Companies like FICO

Other useful websites you can use to know more about credit scoring, use these websites to know what’s my credit score, I mean your score. are as follows;

Fair Isaac’s Consumer Website
Learn all about credit scoring.
Website URL: www.myfico.com

The FTC’s Web Site on Credit
Information on your rights as a consumer.
Website URL: www.ftc.gov/credit

The FTC’s Web Site on Identity Theft
Comprehensive resources on avoiding and recovering from identity theft.
Website URL: www.consumer.gov/idtheft

Insurance Information Institute: Insurance Scoring FAQ
Learn more about how your credit affects your insurance.
Website URL: www.insurancescoring.info/faq.htm

Privacy Rights Clearinghouses’s ID Theft Victim’s Guide
Detailed instructions on recovering from identity theft.
Website URL: www.privacyrights.org/fs/fs17a.htm

Annual Credit Card Report
This is where you get your free credit reports.
Website URL: www.annualcreditreport.com

ChoicePoint’s Consumer Web Site
A consumer-reporting company that creates insurance scores and other reports.
Website URL: www.choicetrust.com

An Overview and History of Credit Reporting
A report with details on how we got to where we are.
Website URL: www.phil.frb.org/pcc/discussion/historycr.pdf

USA Credit Reporting Companies

Here are the major credit-reporting companies and their official website. You can visit Equifax at www.equifax.com, True Credit at www.trucredit.com, Experian at www.experian.com and Vantage Score at www.vantagescore.com

Source and Reference: Justin Pritchard, author, ”The Everything Improve Your Credit Book” (Adams Media, Massachusetts, USA) 2007 p. 3, 5, 280
ISBN: 10: 1-59869-1554 , ISBN 13:

FICO Credit Score
The FICO credit score is designed to work with the data held at the major credit-reporting companies such as Experian, TransUnion and Equifax.

The credit reporting companies load the software, and then load the credit history for the individual who they are going to score. The software spits out a score, and it is forwarded to whoever asked for the report. Want to add more USA credit reporting companies? Share them in the comment box below.