What is a CIC Credit Report?

CIC credit report is a company that offers free 3 in 1 credit reports to consumers who need to check and monitor their credit scores.  These services include alerting a consumer about new items being reported on their credit in addition to providing instant online access to credit reports from all three of the major credit bureaus, Trans Union, Experian, and Equifax.

Why Get a 3 in 1 Report?

In cases where you need to perform a thorough check on your credit to make sure you haven’t been a victim of identity theft or to just make sure you have no negative items before applying for a loan you want to make sure that you have a complete and accurate view of your credit history.

For many people, including myself, not all three credit reports are the same.  I can honestly say that each of my credit reports contain somewhat different information.

Talking to friends, coworkers, and acquaintances makes me believe that I am not the only one who has this problem.  For some all three credit reports are similar but have a few inconsistencies.

In other cases one credit report my show stellar credit, another fair credit, then the final horrible credit.  In some cases fraudulent charge accounts are only reported on one credit report so if someone is only checking one of their reports they are not going to notice that someone has opened an account in their name and gone to town with it.

Taking advantage of a CIC credit report can help guard against that.  Having more or less constant access to all three credit reports gives you a leg up on the criminals.  Even though identity theft is growing at an alarming rate many people don’t take the time to watch out for their credit the way they should.

The three credit reporting agencies are only going to do so much to let consumers know when they might have been a victim of identity theft.  In many cases by the time the credit reporting agencies get in touch with the victim the situation has gotten out of hand.  Then it is up to the victim to spend countless hours trying to fix their credit and I know from experience that is not a fun or easy process.

In order to help combat the problem companies like CIC credit report are available to help all of us consumers take a more active roll in protecting our credit report.  The monitoring service is an added bonus because it is hard for the average person to take time to check their credit every day, week, or even month.  Getting an email to let us know when something unusual is happening keeps us informed without too much work.

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