Your credit report is a snapshot of your credit at a particular moment in time. However, in reality that information is flowing in and out of your credit report all the time. Credit applications, home and auto loans, payments, an address change or even an inquiry from a prospective creditor all show up on your credit report ¨C and affect your credit score.

Your credit score is calculated based on the information in your credit report. Credit scores allow lenders to quickly make on-the-spot credit decisions based on a 3-digit number that sums up your credit worthiness. There are many credit scoring models in use today; all are designed to rate your likelihood to repay your debts. When you order your credit report online, you will also receive your current credit score as well as an analysis of the factors affecting your score.

Credit history is the main determining factor of credit nowadays, but there are potential problems that can work against consumers. Since some credit reports can contain inaccuracies serious enough to cause consumers to be denied credit, a loan or even a job, keeping abreast of changes to your credit file is vitally important.

Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal Trade Commission. One of the first places identity theft shows up is often on your credit report. Monitoring your credit is one of the easiest and most effective ways of protecting your credit against errors and fraud.

Our is a leader in providing free credit reports and free credit scores in a secure online environment.Order your free report and score today! Just try our credit monitoring service for 30 days free with no obligation. You can cancel at any time. We are confident you¡äll find it to be a valuable tool for protecting your credit, as millions of others have.
You may also choose to instantly view your 3-in-1 merged credit reports from the three national credit bureaus: Experian, Equifax and TransUnion.

Mission and vision

The mission of Graydon International is to give companies in the entire world the power to make better business decisions. We accomplish this by providing credit information solutions. Export companies, credit insurers and credit reference agencies (to name a few) can all ...
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Some basic facts

We are a leading provider of credit information about companies all over the world. Any company dealing with credit risks, such as credit insurers, banks, exporters and other trading companies can benefit from our knowledge and experience. Graydon International is the London based marketing and sales branch of... read more
Letter of president
I remember walking in this office, now already 20 years ago, impressed with the task ahead: serving an enterprise that was already going strong at a time when KLM or Royal Dutch Shell had yet to be established. A humbling feeling indeed¡­ read more