How to Obtain a Copy of Your Credit Report

Getting a copy of your credit report is fairly simple and allows you to keep track of your credit history and check for errors.

Difficulty: Moderately Easy

Instructions

Things You'll Need:

• Envelopes
• Credit Reports
• Postage Stamps

1. Visit the Web site for one of these credit reporting agencies: Equifax (www.equifax.com), TransUnion (www.transunion.com) or Experian (www.experian.com).

2. Decide whether you want to order a report online, by phone or by mail.

3. Have a credit or debit card handy if ordering online or by phone.

4. Include your full name, current address and any other addresses you have had in the last two years, Social Security number, date of birth, current employer and phone number if ordering by mail. Sign your request and include a check for the applicable amount. You can expect to receive a paper copy of your credit report within 15 business days.

5. Review the report closely for errors. If you do find errors, inform the bureau in writing that you believe the information is in error. Include copies of any documentation to support your position.

6. Consider using one of the services that reports information from all of the major agencies - they can sometimes report information differently.

Tips & Warnings

• You may qualify for a free copy of your credit report if you can verify one of the following: You are unemployed, on welfare or plan to seek employment within 60 days; you have recently been refused credit due to something in your credit report; you believe you are a victim of fraud; you live in Colorado, Georgia, Maryland, Vermont, Massachusetts or New Jersey.

Who Can Help Sponsored

• How strong is your score?  Did you know checking your own credit won’t affect your score? Click here to see yours in two easy steps from Experian.

[georgejimlertel]

on 11/22/2009 Great article 5 stars for that information

I have been stuggling to fing a good and cheap site for credit report.My friend told me that I can get my a free credit report and score + credit monitoring free trial.This site is really cool and I thought I would help everyone to share it here:

http://www.CreditReportfrees.Info

[interstudy]

on 11/13/2009 having alot of inquiries on your report can hinder it and drop your score a few points. But if youre not applying for alot of credit, and your only requesting your report a few times each year, it wont drop enough to hurt you.

[interstudy]

on 11/13/2009 Every year you are entitiled to get a free report from each of the agencies.

Annualcreditreport.com

Also here are the addresses and phone numbers for each.
http://badcreditanddebt.blogspot.com/

[infoexpress]

on 5/23/2009 Great article, I live in Georgia so I guess I can recieve one free! Thanks

[bseidel]

on 3/19/2009 You can also use annualcreditreport.com to get all 3 free at the same time.