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Report Basics Free Credit Report

There are three credit reporting agencies in the United States: Experian®, Equifax® and TransUnion®. A credit reporting agency gathers information from various providers and supplies credit data on individual consumers. Each credit reporting agency has its own formulas for calculating credit scores. Companies that supply your credit information to consumer reporting agencies have to follow specific credit reporting rules, as listed under the federal Fair Credit Reporting Act. The act stipulates who can obtain a copy of your credit report and in what circumstances. What is a credit report?
A credit report is sometimes called a credit file or credit history. Credit reports contain identifying information and a list of your financial obligations and how you have paid them. They are available to creditors, employers, others as permitted by law, and by you the consumer at any time. How can I request my credit report?

Improve Credit Score Does this Company Get A credit score reflects credit payment patterns over time, with more emphasis on recent information.

•Pay your bills on time. Delinquent payments and collections can have a major negative impact on a credit score.
•Keep balances low on credit cards and other “revolving credit.” High outstanding debt can affect a credit score.
•Apply for and open new credit accounts only as needed. Don’t open accounts just to have a better credit mix. It probably won’t improve your credit score.
•Pay off debt rather than moving it around. Also, don’t close unused cards as a short-term strategy to improve your credit score. Owing the same amount but having fewer open accounts may lower your credit score.

(1) Establishing Business Credit

Your personal credit report may not be your only credit report. If you own a small business, there also may be a business credit report in your name. A business credit report is a tool used by lenders to make credit-granting decisions for a business.

View a Sample Small Business Credit Report

While business and personal credit reports are similar, there are key differences. For example, the numbers used for business credit scores (0–100) are unrelated to personal credit scores (350–850).

A Business Credit Report contains:
•Identifying Information
•Payment Information
•Public Record Information
•Company Background Information
•Business Credit Score

Your business and personal credit reports are not linked but they can be related if you secure business debt with personal debt.

The Fair Credit Reporting Act (FCRA) allows lenders, under certain circumstances, to review personal credit histories for business lending purposes. This only applies to businesses that are structured as “sole proprietorships.”

As a business grows, separating business from personal credit can help business owners reduce personal credit risk associated with the business.

Many of the rules for building and maintaining good credit apply to both personal and business credit.

Many small businesses have little or no credit history on which to base a decision. Personal credit is used a “reference” for entrepreneurs.

Establishing Business Credit

To establish a business credit score, you first should ensure that your business vendors are reporting your payment history to one of the three major credit reporting agencies. These agencies cannot establish business credit for you.

Business credit relationships can be established through various vendors:
•Manufacturers Bank
•Leasing Companies
•Other Financial institutions






Free Credit Report
When We Editing the site it is easy with drag & drop (images, galleries, menu items, forms, slideshows, etc).


Annual Credit Report
Every site comes with a beautiful, fully featured mobile version, viewable on all phone devices.


Event Registration w/ Payments
Sell online - CSV export - Custom fields - Email reminders - Ability to sell other items


Online Management
Automatic Youtube Posting- -Video support - Stream or download - Embed Vimeo / Buy Youtube Views


Staff Editing Privileges
Assign staff to edit only their pages - Add different user groups - Manual approval of users


Social Network Integration
Announcements, blogs & sermons automatically sent to Facebook/ Twitter when entered in system

online tithing

Online Donations
Recurring or one time giving - Export to popular website systems like paypal


Forms Builder
Drag & drop fields to create online custom forms. Already includes templeats

Your Website Add-ons

We offer the following add-ons/services for your business website.  Or if you already are using a 3rd party, we can link it up too!

WebsiteYoutube Video Experts

Broadcast your business to Youtube we are experts at getting high ranking videos
+77,000 Views or more & Huge Bandwidth. HD capable. Chat feature. Much more...

Website Mobile Apps

Professional looking native iphone/android mobile friendly with
blogs, and more.


Why Choose Us? We Take On The Major Workload!

We take on the major workload for you so you don’t have to, while creating something long lasting on your credit report

We are not to be compared to Credit Report Companys We Are Full Service We do the whole project for you, from start to finish. We are creating a totally new Credit Repair Experiance online for those who need it. Then we setup EVERYTHING for you. And, because we limit the number of new websites we take throughout the year, each website gets our full attention and benefits from the expertise we’ve gained from the past's years in the business.


Basically Our Free Credit Reporting Software is the Best in the Business ITS EASY THE RESULTS YOU CAN SEE ON YOUR CREDIT REPORT compared two what other firms can do. They Dont Have the skill set of a team that we do to get the job done and your credit score back up too 850 or even higher GO WITH THIS ANNUAL CREIDT REPORT COMPANY SIMPLIEY BECAUSE WE DELIVER RESULTS SIMPILE AS THAT. We can get your credit score back to the top of the top 3 credit bureaus on the the internet


most website we get up and running withen a Two month's to Four Month's


within about a month you should start to see a new number in your report


- Well their are free methods if you do them yourself all tho they take time I Suggest you use a creidt repair website like CreditRepair.com to get your score back up to where it should be fee about $99/month


- We have changed our domain name 2 times in the last 10 years but we have been in the website design business professionally since 2006


- Give this Phone number a Call 1(855)255-2063 and i the owner of this website who also designed it will answer any quesitons you have as long as its between normal business hours. If i don't answer please leave a message saying your interested in web design services and have some questions and leave a phone number or the best way to get in touch with your business or personal website again the phone number is 1(855)255-2063 and we will be happy to answer all your questions.

What Others Are Saying About Website-Design.us

Best Credit Report Company Online

"I just wanted to tell you we get compliments our website all the time! People from all over the place and friends of mine that are on staff at other website have said, So I just wanna say thanks for the website you built for us and the work you continue to do to help us maintain it. It's awesome man!" - John

Personal Family Friend

In May we launched our new Website design. One of our goals was to have an affordable and cost effective design with the greatest technology features to connect visitors, members and friends to our business. My Website designed our website with a high standard of quality and knowledgeable professional staff. The staff assisted us step by step to completion and achieved our targeted launch date. They really took a lot of the burden off of us and made the development of our website a simple process. Our Company and staff are so happy with our new website and its features. I would recommend and encourage anyone looking for a new website design to connect with this company in Seattle .It was one of the best vendor selections we made in designing our new website. - Marty  (Customer posted this on our Facebook page)


On a personal note:  I really appreciate the assistance you provided throughout this entire process.  You have really been a great help and I have enjoyed working with you over the last couple of months.  I know our working relationship won't end once the site is released, but I wanted you to know how much you are appreciated.  You have been wonderful to work with and we appreciate the wonderful advice you've provided to us.  I truly believe you are in the  RIGHT place that people haave called you to be! - Robert. D

Website Atonement

I can't express how pleased I have been with the service and support we've received from your company. Our Business have said that over half of the new people that have come to our growing business have been through the website. Robby is always responsive with any issues or problems we've had—often resolving them within minutes or hours, not days or weeks. Along the way, we've upgraded and added modules to enhance what we have so that our website can be an experience for users to get to know us. The online registration process took us from an old paper-based, fee-chasing system to an up-to-date, user-friendly process that doubles. Professionally, before working for this business, I've been in the graphics industry for over 15 years. I've created and designed websites for others but I can't think of another vendor I would rather work with. Thanks for all your help. - Robert H.

Want to see our beautiful design work?

View our portfolio page to see what we can do for you. Get full service from our awesome website team.