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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
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