Information reported to each of the 3 bureaus can be different and the individual creditors furnishing data may also be different, meaning one creditor may only report to one or only two of the three bureaus. Click on "Request your free credit reports. Answer several questions to verify you're the correct person to be accessing your report and not a fraudster , then submit your request you'll need to do step this for each credit report.
Your annual credit report is completely free The three credit bureaus—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. You have options when ordering your free reports When ordering your free annual credit report, you have the flexibility to request all three of your reports at once, or you can space them out over the course of the year.
What should I look for in my credit report? Share This Page. Having this type of access to your credit history will give you a way to help better protect your identity and monitor changes to your credit. Some credit monitoring products also allow you to set credit alerts that will notify you if the information in your credit file changes. A credit score is a three-digit number, typically between and , which is calculated based on information in your credit history.
Credit Reports. Credit Scores. Credit Education. Once you obtain a copy of your reports, you'll be able to see what potential creditors and other permitted parties see about your credit history.
This information will help potential creditors decide if they should lend to you. The reports contain the following types of information:. You can also follow the instructions provided on the site to report any inaccuracies in your report. You will not receive a copy of your credit score with your free annual credit reports. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. You can expect to pay a fee for this service. Review your credit reports to catch problems early.
People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it. Credit reporting agencies CRAs collect and maintain information for your credit reports. Even though there are differences between their reports, no agency is more important than the others. If you find errors on your credit report , take steps to have them corrected. On AnnualCreditReport. You can request all three reports at once, or request them one at a time.
Learn about other situations when you can request a free credit report. Online: Visit AnnualCreditReport. By Phone: Call The CRA should tell you the reason they denied your request and explain what to do next. Often, you will only need to provide information that was missing or incorrect on your application for a free credit report.