Borrowell Borrowell was founded in Toronto in 2014 and was the first company to offer Canadians free access to their credit scores, updated BEFORE: Your credit score from Equifax was conveniently displayed (with a historical chart), available natively within the app. 9f/month, you’ll get daily access to your credit reports and credit scores. The higher the credit score, the more sound a borrower the individual is perceived to be when a new application for credit is submitted. Borrowell In the United States, there are three major credit reporting bureaus—Equifax, Experian, and, you guessed it, TransUnion—which means that there are three separate credit reports to consider while trying to build credit. A good credit score is within the range of 721 – 780. Due to financial hardship resulting from the COVID-19 pandemic, you can get a free credit report each week through December 2023. 2 days ago · Contact the credit bureau in question by phone, online, or by mail (see contact information below). The score from Experian is FICO 08 scored as well. TransUnion. Let’s take a closer look at credit reporting agencies and the differences between TransUnion and Equifax. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. There are two main credit bureaus in Canada: Equifax; TransUnion; These are private companies that collect, store and share information about how you use credit. . Different Information Provided to Each Bureau. That applied to both individuals and family plans. But not all of them report on the same day, so your credit reports and, therefore, scores change often as new information is reported. And while a lender may prefer credit reports and scores from a specific. Both TransUnion and Equifax also share “educational credit scores . Your credit history accounts for 21% of this total score. Experian Credit Report & Score: You can purchase your Experian credit report and FICO credit score for $19. 0 version is widely used in lending decisions today. 0 to assess your creditworthiness. In this. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. The Equifax credit score model falls on a credit rating scale that starts at 280 and ends at 850. With FICO Scores, you're better prepared to know when to apply for credit because you're viewing the scores used by 90% of the top lenders. A credit score is a three-digit number, typically between 300 and 850, designed to. Scores above 670 are considered good. 9/5 ( 57 votes ) Based on our analysis, Experian provides the best service for the money. A score of 881-960 is considered good. Equifax recommends aiming for a score of 739 or higher if a “good” score is desired. According to TransUnion, the average. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. If you get a credit score from TransUnion, it is a VantageScore 3. 0 model. Fair (C): 658-719. 1. Limit new credit applications. The short answer is no. These three major credit. A credit score of 721-880 is considered fair. FICO 10 and 10T. Equifax runs bi-weekly reporting of BNPL loans. The credit scores provided are based on the VantageScore® 3. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. Call the credit bureau and follow the instructions. Subscription price. Anyone with a credit history has three. Many lenders offer people with FICO scores above 740 lower interest rates because their risk of default or repossession. 6/5 ( 6 votes ) TD Bank typically pulls credit reports from Experian when evaluating credit card applications, but it could use any of the three major credit bureaus (TransUnion, Equifax, Experian). 0 credit score. A credit score generally ranges from 300-850, and the higher your number, the better you look to a lender because it signals that you’re more likely to repay your debt on time. This process takes a tremendous amount of information into consideration, and the result is your three-digit credit score number. 1/5 (5 votes) . In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. Equifax and TransUnion only. This can have a huge impact on both your monthly payment and the amount of interest you pay over the life of. Although your scores in the two credit scoring models should be similar, it makes sense to check the score lenders are more likely to use. A good credit score under the TransUnion model ranges from 720 to 780. This trio dominates the market for collecting, analyzing, and disbursing information about consumers in the credit markets. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. And scores of 629 or below are bad credit. The Equifax scoring model uses a FICO mathematical formula to calculate your score. The VantageScore model is a newer scoring system developed by three major credit bureaus – Transunion, Equifax, and Experian. For mortgage and auto loans, there are generally 20-point bands within that range, each. This is no different when it comes to Equifax vs. Today, there are dozens of credit bureaus, but the “big three” are Equifax, Experian, and TransUnion. I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. The Equifax credit score is a three-digit number that represents your responsibility as a borrower. VantageScore was created in collaboration with all three major credit bureaus, and its 3. That's because two major companies. It has information on more than a billion customers in 30-plus countries, including 200 million in the U. Their behavior is governed by the FCRA. Fair (C): 658-719. 95 per month (plus tax where applicable). 31, 2023, and requesting access from the three major credit bureaus, TransUnion, Equifax and Experian. [3] For TransUnion, your payment history is even more important than it is under the FICO system, accounting for 40% of the total score. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. Credit bureaus. A good credit score under the TransUnion model ranges from 720 to 780. The biggest difference is the credit bureaus they partner with – Borrowell works with Equifax, while Credit Karma works with TransUnion. Although there are many different scores and scoring models, there is a light at the end of this confusing tunnel. Experian 665 (one collection falling off in September 2019) Average age of accounts: 9 months. Tailored for use by providers of auto financing, the FICO Auto Score uses a score range. 0® scoring model. Columnist. 4. According to TransUnion, the average Canadian score is 650. [3] For TransUnion, your payment history is even more important than it is under the. Good (B): 720-780. Which credit score matters more transunion or equifax. Equifax sells its credit reports to lenders, credit card issuers, insurers, consumers, healthcare providers, utilities, and employers. Is TransUnion more important than Equifax? The short answer is no. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. 100 Point Difference In Equifax vs. Which credit score matters more TransUnion or Equifax? Is TransUnion more important than Equifax? The short answer is no. The more of your credit limit you are using, the higher the ratio and the more credit risk will lower your credit score. Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent. reports, without all the other features. When you apply for a mortgage, the lender typically will review your credit reports from all three major credit bureaus — Equifax, TransUnion, and Experian — along with your associated FICO. So indirectly, your FICO score is still impacted by the information that's available on you at these agencies, although it's not an either/or situation. “Late” generally means at least 30 days after the due date. Depending on your score, you’ll be rated as having excellent, good, fair, poor or very poor credit:A FICO score is a three-digit number, typically on a 300-850 range, that tells lenders how likely a consumer is to repay borrowed money based on their credit history. One may also ask,what are the top 3 credit reports? In the U. Learn why and how your TransUnion and Equifax credit scores may differ, and if their algorithms and scoring models can affect you in a significant way. Credit card issuers and lenders may use one or more of the three major credit bureaus—Experian, TransUnion and Equifax—to help determine your eligibility for new credit card accounts, loans and more. For example, if a report gets. Scores range from 300 (very poor) to 850 (exceptional). A desirable credit score varies, but there is a widely used scale to measure the ranges: 300-579: Poor; 580-669: Fair; 670-739: Good; 740-799: Very good; 800-850: Excellent; Each of the three major credit reporting agencies (Experian, TransUnion, and Equifax) vary in how they determine credit scores. These agencies include Equifax, Experian, and TransUnion. The most common FICO scores feature a scale of 300 to 850. A score of 300-600 is considered “poor” on the lower scale and “fair” on the high end of the spectrum. In general, a higher credit score represents a higher likelihood of responsible financial habits. 280 - 850. A good score with TransUnion and VantageScore® 3. EDT. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Scores above 670 are considered good. VantageScore 3. It's easier than ever to get a free credit report from each agency. This purchase is only good for a one-time view. 1. Many lenders offer people with FICO scores above 740 lower interest rates because their risk of default or repossession. [3] For TransUnion, your payment history is even more important than it is under the FICO system, accounting for 40% of the total score. When you pay bills each month, most lenders report the payment to one of the big three credit reporting agencies -- Equifax, Experian, or TransUnion. A score of 690 to 719 is considered good credit. . Checkout this video: What’s in a credit score? Which Credit Score Matters More TransUnion or Equifax? Mar 28, 2022 Credit Repair Education Once you start looking at your credit scores you’ll see multiple credit scores from different bureaus. By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). [3] For TransUnion, your payment history is even more important than it is under the FICO system, accounting for 40% of the total score. The TransUnion Credit Score service is subject to. The credit scoring process involves comparing your information to other borrowers that are similar to you. According to TransUnion, a “good” credit score is a score of 720 or higher. NOW: It's outsourced. Equifax and Experian, for example, only note your employer’s name as part of your employment history. Every year, lenders access billions of FICO ® Scores to help them understand people's credit risk and make better–informed lending decisions. Generally, your scores will be reasonably similar to one another so that if Experian, for example. Based on our analysis, Experian provides the best service for the money. When you get a new loan, make or miss payments on loans or use a credit card, it's common for your lender to. Credit scores are one of many factors used by lenders when determining your. Equifax Is a. You are first asked to. FICO is used in about 90% of lending decisions. One-time cost of $39. A score of 300-600 is considered “poor” on the lower scale and “fair” on the high end of the spectrum. Order by phone. Credit-scoring Models Are Different. The Equifax credit score model falls on a credit rating scale that starts at 280 and ends at 850. You may have signed up for a $1 credit check, which TransUnion will silently convert to a $19. In this article, I’ll explain why that is, and show you how you can get an updated credit score every month for free. Here are a few ways: Check your credit card, financial institution or loan statement. Updated: 05/20/2023. A score of 661 – 720 is fair. Experian and Equifax are the credit bureaus most commonly used for auto loans. m. Some people view certain credit scores as more or less accurate than others. A score of 420-465 is considered good. In the United States, there are three major credit bureaus — Equifax, Experian, and TransUnion — that are competing against each other to capture, update, and store the credit histories of most US consumers. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Although Experian is the largest credit bureau in the U. Just look for "Equifax Credit Report" on your myEquifax dashboard. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Check all 3 now. The credit bureau recently conducted a study on the impact BNPL loans have on consumers’ credit reports, looking at individuals who had at least. Your credit score in Canada ranges from 300 to 900 and is calculated by the 2 major credit bureaus – Equifax and TransUnion. Borrowell pulls data from Equifax and CreditKarma pulls data from TransUnion. A score of 721-880 is considered fair. Equifax or TransUnion . [4] It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. Here’s my Transunion Score from Credit Karma: My Credit Karma credit score is 821, in the excellent range. 0® scoring model. Learn more. 3 Bureau Credit Report & FICO Score: For $39. In general, you’ll likely need at least a 620 FICO Score to qualify for a conventional loan, and if. Score: 4. Anyone with a credit history has three. It's OK if you haven't yet reached a 760 credit score. With excellent credit, your credit scores become more of a bridge and less of a roadblock — a high score can help you qualify for premium rewards credit cards, auto loans and mortgages with the best terms. Equifax’s credit scores range from 280 to 850. FICO scores — which typically range from 300 to 850 — are what most lenders use to inform their decisions. A score of 600–724 is considered to be “good” according to Equifax; 725-759 is considered “very good,” and a score from 760 and higher is considered to be an “excellent” rating. A long track record is best. Experian National Equivalency Score. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3. It was developed by the three major. Are certain scores actually meaningless or are they all considered when applying?In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score discrepancies, like 100 points. So right now I have ~$15k in debt. S. And it’s still free. You are more likely to get rejected when asking for loans and higher lines of credit. When you pay bills each month, most lenders report the payment to one of the big three credit reporting agencies -- Equifax, Experian, or TransUnion. Credit utilization: 20%. Scores of 630 to 689 are fair credit. 7K 02/22 @12. . Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Equifax scores range from 300 to 850, and are measured in increments. 0 is between 720 and 780. Subscription price is $29. The credit scores provided are based on the VantageScore® 3. NerdWallet’s credit score bands, used for general guidance. The credit scores provided are based on the VantageScore® 3. What is the Most Accurate Credit Score? What is a FICO Score? Industry-Specific FICO Scores 6 Reasons Why Your Credit Score Might Differ You Have Dozens of Credit Scores Why Are There So Many Different Credit Scores? Other Types of Credit Scores VantageScore CE Score and Other Credit Scores When you pay bills each month, most lenders report the payment to one of the big three credit reporting agencies -- Equifax, Experian, or TransUnion. 99 Check all 3 now * Credit score calculated based on FICO ® Score 8 model. FICO ® Score 5 (Equifax) FICO ® Score 4 (TransUnion) Why is my Experian score higher than Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. 1/5 (5 votes) . Is TransUnion more important than Equifax? The short answer is no. After speaking with two mortgage specialists, I was led to believe that the two scores would be within 10 points of each other. Score: 4. , TransUnion and Equifax are widely considered to be just as accurate and important. The national average FICO® score has steadily risen over the years and hit a record high of 703 in 2019, so many are in the same boat. There are three parts to the FICO scoring process: the credit bureaus, your credit reports and your FICO ® Scores . My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. Final Verdict. Federal Reserve: Credit Reports and Credit Scores. Today, many mortgage lenders use the Equifax Beacon 5, which is based on FICO Score 5, or TransUnion’s FICO Risk Score 4, which is based on FICO Score 4. The Experian score is from their free site dated June 7th. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Directly from Equifax or TransUnion. Score: 4. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. Equifax allows you to request your free credit report by phone. Many factors can impact the minimum credit score you must have to be eligible for a mortgage. A score of 600–724 is considered to be “good” according to Equifax; 725-759 is considered “very good,” and a score from 760 and higher is considered to be an “excellent” rating. 1. 95 per month (plus tax where applicable). FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. 95 monthly fee credit monitoring service paywall. The Experian site recommended I get a credit card and run things through it. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. CIBC updated the score at their (more secure) backend regularly from Equifax. (Mike Stewart/AP) 7 min. Along with saving up for a down payment, having a great credit. Is TransUnion more important than Equifax? The short answer is no. Higher credit scores generally result in more favorable credit terms. With Equifax, you can request your credit score and report either online by signing up easily, over the phone by calling 1 (800) 465-7166 or. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Credit Scores were not really meant to be marketed to consumers, lenders have odds ratios against dozens of credit scores to decide what range from which score is good or bad. An average credit score is about 700. " Agarwal was surprised by the inconsistent results. 95/month and you’ll get credit monitoring and ID theft protection for you and up to four family members. 2/5 ( 41 votes ) If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. The beacon score is what the lenders actually use and is an entirely different scoring criteria. Score: 4. BEFORE: Your credit score from Equifax was conveniently displayed (with a historical chart), available natively within the app. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. The company also markets its businesses credit reports, analytics, demographic data, credit fraud, identity theft prevention products, and software. Equifax recommends aiming for a score of 739 or higher if a “good” score is desired. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. 0 scoring model. FICO also offers industry. A good score with TransUnion and VantageScore® 3. Limit new credit applications. Which credit score matters more TransUnion or Equifax?. A long track record is best. 99 Check all 3 now * Credit score calculated based on FICO ® Score 8 model. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. Nate’s VantageScore 3. , TransUnion and Equifax are widely considered to be just as accurate and important. 0® scoring model. gov. How to build your credit score To build your credit score. 95 / month. com through Dec. Using more than 30% of. You can purchase your FICO credit score and report from each credit bureau individually for $19. [2] TransUnion uses the VantageScore 3. 1. 99. Score: 4. Provide your contact information. Learn more Today, there are three main credit reporting agencies in the U. Also the different credit bureaus do calculate the scores differently. A score of 600–724 is considered to be “good” according to Equifax; 725-759 is considered “very good,” and a score from 760 and higher is considered to be an “excellent” rating. It's important to note, however, that if one or more of your credit reports is frozen, that could affect your loan application. TransUnion is a Chicago-based company founded in 1968. The average consumer with a subprime credit score will pay approximately $200,000 more for credit over the course of their lifetime, according to an analysis by the non-profit Credit Builders. Available credit: 3%. 280 - 850. Many credit card companies, banks and loan companies have started providing credit scores for their customers. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. If you get a credit score from TransUnion, it is a VantageScore 3. N> to pay more than $23. Score: 4. Why is my TransUnion score so much higher than Equifax?Isolated late payments matter less. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Due to financial hardship resulting from the COVID-19 pandemic, you can get a free credit report each week through December 2023. 0 to assess your creditworthiness. . The more you know. It’s possible you have some pulling your score down on TransUnion that’s not showing up in your Equifax report. Hi, welcome to the forums! They all three matter --Equifax (EQ), TransUnion (TU), and Experian (EX). Check all 3 now. . Paying off a collections account removes the threat that you. FICO is the most commonly used credit score used when applying for new credit or a loan. For example: TU FICO 8 fully describes a score. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . Provide your contact information. You have over 10 credit scores for each bureau (10+ EX scores, 10+ TU scores, 10+ EQ scores) so unless you are comparing the same exact scoring model between two bureaus, it isn't a fair comparison. A minor difference between scores might not concern you. 0, which is used far less often. 0 scores range from 300 to 850. Experian offers free access to credit scores and credit reports through various free product suites, as well as paid score and report options. NOW: It's outsourced. S. When you apply for a mortgage, the lender typically will review your credit reports from all three major credit bureaus — Equifax, TransUnion, and Experian — along with your associated FICO. But as you develop good credit habits, you'll be rewarded as your credit scores respond positively. A good credit score under the TransUnion model ranges from 720 to 780. This report notes your. Credit Cards; Loans; Insurance; Business; Banking; Financial Services; Investments; Mortgage; Credit Cards for 600 Credit Score. TransUnion scores better than Equifax across: Plans and. A good credit score is within the range of 721 – 780. I just paid 3 of them off 30 days ago. S. FICO ® Score 4 is the version of the classic FICO ® Score offered by TransUnion. Answer: A credit score is calculated using the information in your credit report, so a credit score can change as often as the information in your report changes. A credit score is a three-digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. Which Credit Service Should You Choose – Equifax, Experian or Transunion. Still, it uses the Equifax Credit Score Model when you purchase your credit score from their website. Free Credit Reports. In the United States, there are three major credit bureaus — Equifax, Experian, and TransUnion — that are competing against each other to capture, update, and store the credit histories of most US consumers. A FICO score of at least 700 is considered a good score. 0 model. Subscription price. 1 You can also receive free Equifax credit reports with a myEquifax account. 0 model. History of credit checks or hard inquiries; Matters of. As to which is more important, it really depends on which reports are pulled by your creditors. Equifax scores range from 0-700. . So only use this strategy if you’re confident you can keep your debt levels low. Experian: 0-999. 99. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. Credit scores are usually calculated by taking the following into account: Payment history, credit utilization (or the percentage of your credit limits you’re using. We will require you to. Which credit report is most accurate? Many factors can impact the minimum credit score you must have to be eligible for a mortgage. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. Borrowell In the United States, there are three major credit reporting bureaus—Equifax, Experian, and, you guessed it, TransUnion—which means that there are three separate credit reports to consider while trying to build credit. Each agency generates a credit report for you and each of those reports will be typically slightly different. com Access free credit reports from each of the nationwide credit bureaus each week. but the Equifax and Transunion are around 673 according to Credit Karma. 0 to assess your creditworthiness. Applying for new credit can negatively affect your credit score because it. Credit agencies have a different credit bureau of choice. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. FICO Auto Score 8 and FICO Auto Score 9. Which credit score matters more TransUnion or Equifax? Is TransUnion more important than Equifax? The short answer is no. That’s your consumer credit score and is not your beacon score. 360 - 840. The three major credit bureaus are Equifax, Experian and TransUnion. TransUnion: 0-710. This credit score is well below the average score of U. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. 0 model in compiling its credit score, which ranges from 300 to 850. Other factors used in determining. Poor. Subscription price is $29. Credit bureaus Experian, TransUnion and Equifax came up with the algorithm to produce VantageScore in 2006, competing against the better-known FICO scores. By joseph / October 12, 2022 If you’re trying to improve your credit score, you might be wondering which credit score matters more: TransUnion or Equifax? While both are important, TransUnion is typically the more important score when it comes to credit approval. Remember, no one has just one credit score, because financial institutions use more than one scoring method. You don't have a single credit score — you have a few, and they probably vary slightly. But while the two companies serve a similar purpose, each one will give you a different credit score. Jun 2, 2023What’s important to note is that Borrowell uses the Equifax credit score, and Credit Karma uses Transunion. FICO 8 is the model. A score of 600–724 is considered to be “good” according to Equifax; 725-759 is considered “very good,” and a score from 760 and higher is considered to be an “excellent” rating. FICO ® Score 5 is the Equifax version of the "classic" FICO ® Score. These agencies include Equifax, Experian, and TransUnion. The three largest bureaus are Equifax, Experian and TransUnion. Amounts. 4/5 ( 51 votes ) The credit bureau that gives the lowest FICO or Vantage score tends to be the one that lenders use the most in your geographic area. Age of credit is 15% of your score. It's free! Get started Annualcreditreport. Understanding credit score ranges Scores in widely used models, including VantageScore 3. 0 is between 720 and 780. Credit scores typically range from 300 to 850. See moreToday, there are dozens of credit bureaus, but the “big three” are Equifax, Experian, and TransUnion. Score: 4. If you're talking a more significant variance (59 points, you referenced) and the scoring model is the same, it. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. Some companies offer to dispute errors and quickly improve your credit, but proceed with caution. They currently employ 17,800 people in more than 45 countries and serve individuals and businesses in over 100 countries. Your annual credit report is now available weekly.