Federal Law mandates that your credit report be made available to you freely on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available at https://www.annualcreditreport.com/cra/index.jsp. You are allowed to receive one free credit report a year.
Your credit report and your credit score are different. FairIsaac Corporation developed the FICO score, the most commonly used credit score. The FICO score is a number between 350 and 850 that predicted how likely you are to become 90 days late on a loan. You can purchase your FICO score for all three credit bureaus, or just for one, at http://www.myfico.com.
Fair Credit Reporting Act
As credit scores became more and more important to the everyday person’s life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.
Equifax, TransUnion and Experian
The credit bureaus have helpful information on their sites about credit and the ability to purchase reports if you have already received your free report for the year.
Secure Credit Card
First Progress Secure Credit is an actual credit card. Operates just like a regular card. All revolving credit cards are a high risk and give you the most points. On the other hand can also, deduct more points if you default or make a late payment. Click this link: http://www.creditcardbroker.com/member-detail/?tid=5691