We’ve all seen their ads on TV and elsewhere. You even sing their jingle (unintentionally) in the shower sometimes. Have you tried their service? Do you know the full picture?

Well, having tried several programs and somewhat of an expert in the field (if I may say so myself, ahem), I’ve also checked out the free credit report program offered by freecreditreport.com and while some don’t know about it, some like it, and others hate it, here’s the real, unbiased scoop on them.

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If you are reading this, you probably already know the importance of getting your hands on your free annual credit report and checking it at least annually, but you might be asking yourself, where do credit reports come from and who keeps track of this stuff? etc. If so, you’re not alone.

Fortunately, this is quite easy to explain. Currently, there are three major credit bureaus, all from the private sector (non-government operated) who keeps track of the credit history of everyone that has a social security number or have any sort of credit history. These companies are Experian, TransUnion, and Equifax.

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Here’s a fun picture I found on credit freeze. You know, the situation where your credit on a particular credit card is frozen due to identity theft? Luckily, when you call in to verify everything, the freeze if lifted and you are able to transact again! This picture says it all…

Originally uploaded by paalia

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