“What Are The Best Credit Report Sites?” written by Mike Marko
Trying to find the best credit report sites online for a tenant credit check? Don’t worry, I got your back!
When a property manager decides to accept new tenants for his property he needs to do a background check and a credit check.
And because of that, it’s only normal that a property manager will use a credit reporting company to create the credit check report. But what credit report site should you use?
To help you out, today I’m going to share with you a list of the best credit report sites for your credit check report.
Is There a List of the Best Credit Report Sites?
As a property manager, or as someone looking for credit information on someone, you can easily search for a credit report site online.
But finding the best online companies will be hard.
There is a lot of small credit checking businesses that serves information for their clients. However many of the smaller companies provide limited information compared to the bigger online companies. All of the online credit sources are continuously emerging and growing, and finding the right one is essential when doing your rental property management.
With the number of companies available, it will be difficult for you, a property manager, to find who are providing the best quality service that they can offer to their clients.
The information and amounts of companies available can be overwhelming…
In an effort to help you know what you are facing I’ve compiled a list of the top reviewed best credit report sites.
The Best Credit Report Sites
Well, who wouldn’t guess this correctly? Equifax, Experian, and TransUnion are part of best credit report sites you can find online.
One way or another, all the credit report sites are linked to these 3 major credit bureaus. So it is only fitting to find these 3 at the top list.
Equifax is the oldest credit bureau among the three. Its vision is to become a global leader in the information solutions industry. The company provides an almost perfect credit report for its consumers. So a property manager, getting a high score on a potential renter would allow you to know that they pay their bills and debts on-time and you most likely won’t need to worry about the financial capacity of your renters if they can or can’t pay on time.
TransUnion is founded in 1968 and headquartered in Chicago, Illinois. Part of what they offer to their clients is to provide a diverse set of learning materials in addition to their credit reports.
These learning materials tackle information about credit management and financial issues. The company is also partnered with banks, health care providers, property managers, and other appropriate companies. A good score from their credit report would allow you to feel comfortable that the possible renter can pay rent on time.
Experian is founded in 1996. In addition to doing credit reports, they focus on the responsibility of assisting clients in managing their credit risk. The company provides credible leads for direct mailing and preapproved offers related to credit. Experian help manages their client’s data in order for the clients to maximize every opportunity given to them. Again, a good score from their credit report would allow you to feel comfortable that the possible renter can pay rent on time.
IdentityGuard is created by Intersections, Inc. The company is a services type of company that provides proactive privacy and protection from identity theft to its customers. In addition to these services, they offer a complete credit check report as well.
IdentiyGuard is a very comprehensive program. Not only does it monitor changes in a person’s credit score but it also provides the best protection for any ID theft.
The IdentityGuard features include:
- Credit monitoring from the 3 major credit bureaus
- Free credit scores based from the 3 credit bureaus
- Victim assistance services
- ID verification
So far, IdentityGuard has been labeled as the best credit report site by reviewers and clients that got to experience their service.
AnnualCreditReport.com has very positive reviews for their services and is among the best credit report sites as of to date. In addition to offering a 3 credit bureau report, the reason why this site is here is that of its free credit report.
Any person wanting to know about their credit would want to find it somewhere for free… right?
Annualcreditreport.com company is authorized by the Federal Law to provide a free credit report to their clients.
The company offers a free copy of a person’s credit report every 12 months. If you are worried about the duration, AnnualCreditReport.com provides and ensures you that the information you will get is correct and always up to date.
PrivacyGuard is also is also favorably reviewed and can be included in a list of the best credit report sites. PrivacyGuard is a company that is headquartered in Stamford, CT. The company like others is tied up with the 3 big credit bureaus (Equifax, Experian, and TransUnion).
It offers its client a credit report that allows you access and analysis from the 3 main credit bureaus. PrivacyGuard also gives identity theft protection and regular credit monitoring services to its consumers.
The PrivacyGuard’s Power of 3 features:
- Triple-Bureau Credit Report – managing a credit report and protecting an identity basing on the person’s credit history
- 3-Bureau Credit Scores – developed by CreditXpert, Inc., a client can get their credit scores from the 3 credit bureaus
- Credit Monitoring and Alerts – protecting a client’s personal and credit information with a daily credit monitoring from the 3 bureau
LifeLock’s main purpose is to help protect their clients from any kind of identity theft and safeguard their credit. The company actively monitors any service that can be easily linked to their client’s credit and personal information.
This credit report site is also connected to the 3 major credit bureaus.
LifeLock offers the following features to its clients:
- Detect identity-related incidents.
- Alerting members to any suspicious activities.
- Address ID theft-related issues.
- Black-market website monitoring.
- Lost wallet protection.
The company is among the best credit report sites, and it also has the bonus of providing identity theft protection to its clients. They use modern day technology to assure clients and alert them whenever any issues arise about their identity.
MyFico is a credit report site that mainly focuses on a person’s credit score. Their client’s credit profile is monitored by the 3 credit check bureaus.
Whenever there is an update in a client’s credit history, myFico automatically updates the client’s credit score. The client can also subscribe to the service to get updates on any changes to the score.
myFico Features include:
- Real FICO score
- FICO Score simulator
- 3B credit reports
- Quarterly 28 FICO Score
myFico is known for having an expensive service compared to the others. But they are also among those that provide really good information and up to date credit scores for their clients. This is probably why they are one of best credit report site when it comes to credit scores.
9. Other Services
In addition to these best credit report sites, you can also take a look at other underwriting services. Top1Score provides an easy to read client scoring system that provides a relative measure of the potential tenant.
Final Thoughts On The Best Credit Report Sites
There are a lot of credit report sites online that can help a property manager do a credit check. I recommend sticking with those listed in my best credit report sites to help with your tenant screening. The credit report is very important to your background check process… so it pays to stick with the best credit report sites.
I expect this article will help you with your tenant screening process.
If you have questions or suggestions, leave them in the comment box below.
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