Credit Reports: How to get them

There are a number of ways to get a copy of your credit reports.

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First of all, there is not one report.  There are several.  

Three major reporting bureaus or agencies are who you deal with. 

                Equifax                   
               Experian                   
             TransUnion                

They sell the information they gather to lenders, employers and other people who check credit scores.  You may find that the information is different from company to company, with balances or other information showing differently, or some debts showing up on one but not another. 

There is a law that requires you to have access to one free report from each of the three major credit reporting bureaus yearly.  Some people recommend that you check one report every three months, so you keep an eye on what is reported. 

You get your free report from the following website, which is not the website with the guys who sing about free credit reports.  Those guys sing about free reports that you get if you pay a monthly fee for other services.  That's not free!  But you can get a free report from each bureau once a year and this is the official site you need: 
The Official Annual Credit Report Site


There is also a useful page answering a lot of frequently asked questions about credit reports which you can get to by clicking:  FAQ Credit Reports, Fraud Alerts, Credit, Credit Repair and other information

If you are denied credit based upon your score, you will be sent a copy of the report to view.  There is no charge for that report.

You can also go to a number of sites to pay for a report, including to the credit bureaus themselves.  You can buy a single report, or a merged report that will combine information from multiple companies. 

Here are links to the company websites:

                                  Equifax
                      Experian
                     TransUnion

1701 Scott Avenue Charlotte North Carolina 28203
phone: 704 / 377-0776
fax: 704 / 377-0775
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The Law Office of Susanne M. Robicsek is
a Federally Designated Debt Relief Agency
under the Bankruptcy Code.
I file bankruptcy cases for people in financial need,
and have been doing so since 1989.

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