So, what is the difference between these products?

• The Experian Instant Credit Report allows you to order your credit report online and receive it instantly on your web browser. If you want a quick view of your credit report to give you a general idea of your credit, this is the report for you.

• The Premier Credit Report© (PCR) allows you to see what all three credit reporting agencies say about you. The Experian report only tells you what one credit reporting company says about you. With Premier Credit Report©, you can get all of the information about your credit. Being such a complete report, it can not be given to you immediately over the web browser and must be sent to you via mail. However, the knowledge you will gain from this report is worth the wait.

• Monitoring is a new tool that allows greater control over your credit. We will scan your credit report each month for new items such as New Accounts or New Inquiries. If there are any changes to it, we will email you with the changes. You get all this for one whole year with only a one time price.

• Scoring is a very important thing that you should consider. At one time, each company that pulled your credit report would examine the details and make a decision based on their own personal criteria. That is changing, however. It is becoming increasingly frequent that creditors rely on scoring to make their decisions.

  Scoring is the process of giving a standardized mathematical score to a person's credit. If you get a low score, it will be harder for you to get a loan or credit. If you have a higher score, it will be easier for you to get credit and you may even get better interest rates offered to you.

  This score represents how good of a risk they think you are, but does not come with a standard credit report. If you are thinking of buying a house, car, or other item you should add this to your report. It is very possible that your score could be the determining factor for your creditor, so you should get it yourself.