Credit Resources

Federal Law mandates that your credit report be made available to you freely on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available at You are able to get one free report at a time, but keep in mind your other reports most likely will be reporting data the one you recieved don't.

Your credit report and your credit score are different. FairIsaac Corp developed the FICO score, the most commonly used credit score. The FICO score is a number between 350 and 850 that predicted how likely you are to become 90 days late on a loan. You can purchase your FICO score for all three credit bureaus, or just for one, at

Fair Credit Reporting Act

As credit scores became more and more important to the everyday person's life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.

Equifax, TransUnion and Experian

The credit bureaus have a lot of helpful information on their sites about credit, and the ability to purchase reports if you have already recieved your free report for the year.


True Credit 3-Bureau Credit Monitoring

An award-winning credit monitoring service that includes

  • Unlimited credit reports from Equifax, Experian, & TransUnion
  • Unlimited credit scores from all three credit bureaus
  • Unlimited three-bureau credit monitoring
  • Email alerts of critical credit file changes
  • Powerful tools and personalized tips for improving your credit
  • Toll-free access to specialists plus $25,000 Identity Theft Insurance at no additional cost

You get all of this for just $14.95 a month. This package is perfect for people who are improving their credit, preparing for a major purchase, or concerned about identity theft. You can cancel anytime.


Credit Watch Gold with 3-in-1 Monitoring & FREE FICO Score

This is a Free 30 Day Trial, then $14.95 each month. It provides all 3 reports in 1 and a FICO Score plus a monitoring service. 

CREDIT CARDS - Starter Cards for Damaged or No Credit Consumers

Applied Bank® Secured Visa® Gold Credit Card (secured credit card- requires $200 to be deposited by applicant on card)


CREDIT CARDS - Cards for Good Credit Consumers

 Starwood Preferred Guest® Credit Card from American Express (This is also prime consumer credit card)



Personal Loans

You can immediately access cash to balance your budget, handle emergencies, consolidate bills, or put money in your wallet!

  • Borrow up to $15,000*
  • All loan requests are confidential and secure
  • Quick approval process
  • FREE personal loan quote, no obligation to accept your loan proposal

Personal loans can be a great way to get over life's financial bumps and enhance your credit rating.

Emergency Payday Loan

Get the funds deposited directly into your checking account to immediately access cash in order to balance your budget, handle emergencies, consolidate bills, or put money in your wallet! You'll receive a no-obligation loan quote that details the rates and terms after you apply.

  • US resident over 18 years old
  • No outstanding payday loans
  • Active checking account
  • $1,000 minimum monthly income
  • This service is not available in Illinois, Massachusetts, or Georgia nor is it available in any state where it is prohibited by law.

Did you know? Short term loans require only a source of income and a checking account.



AAA Pro Credit Solutions is Certified as a Credit Expert by CreditCRM, the nation's leader in credit certification.