• View Your 3 FREE Credit Reports & Credit Scores

  • Free Credit Report

    Credit Report Info: Check your 3-in-1 Free Credit Report and scores online now. Get exclusive tips, tools, credit monitoring, credit report alerts and advice from credit experts.


  • The Credit Bureaus

    Credit Bureaus Info: How do TransUnion, Equifax, and Experian determine your credit report scores? How do you get your credit history and credit scores?

  • What is a Credit Score?

    Credit Score Info: Have you ever wondered how your free credit score is calculated? Discover how your credit score is computed and learn how to improve your free score.


  • What is a FICO score?

    FICO Score Info: What is a FICO Score? How does FICO work? How can you increase your FICO Score? Can you get a free credit score?



  • Your Credit and ID Theft Resource Center

Credit Reports

  • Staff's picture
    Your Credit Score From Your Consumer Credit Report
    Understanding your credit score is important. SPENDonLIFE.com will demonstrate your right to know your score, as well as how to improve it and make it work for you. We also tell you how the advent of credit scoring has affected the entire U.S. economy.

  • Staff's picture
    What Your Credit Report Agency Provides
    Think of a credit report agency as a scribe who just reports the facts, ma'am. They compile information into a credit report that shows all your activity going back 7 years, and sometimes more. We show you what your report lists, and how to address poor credit issues.

  • Staff's picture
    Trans Union Credit Report
    The credit bureau that issues your Trans Union credit report is one of the world's leading business intelligence providers. Founded in 1968, Trans Union maintains records on well over 200 million Americans, with other operations throughout the world. Each year Trans Union processes literally billions of pieces of information. Learn important TransUnion facts.

Identity Theft

  • John Cuccaro's picture
    Nobody Cares if Someone Borrows Your Social Security Number
    The Federal government doesn't care. Employers don't care. Creditors don't care. Social security numbers are the "gateway drug" of identity theft. Once a thief has your digits, a world of wicked possibilities open up. So, why doesn't anyone care if you are not the only one using your SSN?

  • John Cuccaro's picture
    What to Do if Your Identity is Stolen
    Discovering you have become a victim of identity theft is devastating -- to your finances, credit rating, and emotional state of well-being. Follow these steps in the unfortunate event that you are the victim on an ID thief.

  • John Cuccaro's picture
    How to Know if Your Identity has been Stolen
    Learn to recognize the potential signs of identity theft. Consistently monitoring your mail, financial records, and credit reports are all vital to detecting identity theft. If you do become a victim, it's best to find out early, so you can take action to minimize the damage.