You are entitled to request and obtain a free copy of your credit report once every year directly from any or all of the three consumer reporting agencies, also known as credit bureaus − Equifax, Experian and TransUnion. Should you notice an error on your credit report, you are entitled to dispute it. You may consult the credit bureaus’ websites for more details.
Keep in mind that if you request a credit report more than once in a given year from the same credit bureau, you can be charged for it.
However, the independent site www.creditkarma.com can provide you with free access to your credit rating and credit score, and may also provide you with credit score monitoring services.
Equifax, Experian and TransUnion are all publicly traded corporations. Equifax and TransUnion are listed on the New York Stock Exchange while Experian is listed on the London Stock Exchange. Therefore, they are subject to strict governmental oversight.
Consumer reporting agencies have been regulated by the federal government since 1970 under the Fair Credit Reporting Act (FCRA). This law requires them to ensure that the information they gather and supply to banks and other financial institutions for their use is a fair and accurate summary of a consumer's credit history.
In addition, the Consumer Financial Protection Bureau (CFPB) was created in 2010 to supervise consumer reporting agencies, alongside other financial institutions. The CFPB enacts and enforces regulations for banks and other financial institutions, monitors and reports on markets and collects and responds to complaints from consumers.
The CFPB also maintains a full list of consumer reporting companies with contact information. That list includes niche credit bureaus that focus only, for example, on student loans, tenant screening, check and bank screening, personal property insurance, medical plans, and low-income and sub-prime loans.
At CreditCube, we listen to our customers. Many of them have shared with us the lessons they have drawn from their credit history. Below is a list of ten suggestions that we frequently hear from others who have had poor credit ratings in the past but have now turned things around and are successfully rehabilitating their economic wellbeing and financial security:
CreditCube is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. Each aspect of communication and transaction with/on this site will be deemed to have occurred in CreditCube’s Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site.
⚠ Please note: This is an expensive form of borrowing. CreditCube loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution! Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
* Loan approvals are subject to underwriting. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. CreditCube reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity Services, Inc., a credit reporting agency, and we may pull your credit in order to determine your eligibility and ability to repay.
** Maximum loan amount is $500 for first-time customers. For returning CreditCube customers, rates may go down over time based on your CreditCube Loyalty Program status and your payment history with us. Please see our Loyalty Program page for more information.
*** Loan Applications processed and approved before 3pm EST Monday-Friday are typically funded on the next business day. Example: If your loan is processed and approved on Friday before 3pm EST, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank. Business Day means Monday through Friday excluding all federal banking holidays.
CreditCube does not lend to residents of Pennsylvania, Connecticut, Minnesota, New York, Vermont, Virginia, West Virginia and Georgia. Availability of installment loans in your state is subject to change at any time with or without notice at the sole discretion of CreditCube.