just for trying Privacy Matters 1-2-3

All 3 Credit Scores — one from each of the 3 credit bureaus (Trans Union, Equifax and Experian).
All 3 Credit Reports — information from all three credit bureaus combined into one easy-to-read report.
3-Bureau Credit Monitoring — with alerts of activity to your files with all three credit report bureaus.
Delivered to you online quickly and securely

During your Privacy Matters 1-2-3 FREE Trial, you will have unlimited access to your 3-Bureau Credit Report and All 3 FREE Credit Scores. Check each side-by-side credit report for inaccuracies that can potentially damage your credit scores.

Credit services provided by TransUnion Interactive, Inc.
*Privacy Matters 1-2-3 provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Privacy Matters 1-2-3 and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

Triple Credit Report and Free Triple Credit Scores

Credit Scores are the three digit numbers that lenders use to decide whether to lend you money and at what interest rate. Historically, the credit score is a number between 300 and 900. The rationale is that the higher the score the less risk there is to the lender that you will not repay the loan. A credit score is derived from information in your credit report and can range from 330 to 830, with a higher score indicating lower credit risk. Using the latest data on U.S. consumer spending habits, your credit rating will help you learn the factors that drive your credit score.

Determining your Triple Credit Rating

Payment History: Approximately 35% of your credit score or credit rating.
Amounts Owed: About 30% of your credit score or credit rating.
Length of Credit History: About 15% of your credit score or credit rating.
Pattern of Credit Use: About 10% of your credit score or credit rating.
Types of Credit in Use: About 10% of your credit score or credit rating.

Credit Score and Credit Rating Guidelines

650 and Above

In general, a credit score or credit rating of 650 or above indicates a very good credit history. People with these scores will usually find the loan process quick and easy, and will have a good chance to obtain a loan at a relatively low rate of interest.

620 to 650

Credit scores and a credit rating between 620 and 650 indicate basically good credit. (Average FICO scores fall into this range.) People with scores in this range have a good chance at a loan at a good rate, but may have to provide additional documentation and explanations to the lender before the loan is approved.

Below 620