A paid credit report means you sign up with a service to become a member of their company and they monitor the top three credit bureau reports that banks and credit cards use when evaluating credit scores for a loan, line of credit or a new credit card. You will get a detailed report showing all transactions, late payments, inquiries and other helpful information they can find for you. One thing you need to do is check to see if the report is accurate. If not, your membership lets you have easy access to support and they can help you get it fixed.

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