Most companies report to one or more of the major credit bureaus. If you have ever applied for a loan or for credit, you have a file at one of the three major credit bureaus. What this means for you is that to get your credit bureau report, you may need to request a report from all 3 so that you can get a look at your credit bureau “big picture” so you can repair your credit score and history if necessary.
Getting a credit report for free is as simple as contacting the credit bureau. All you have to do is make the request online from one or all of the major credit bureaus. Otherwise, you can request your report by mail. Whatever route you use to apply for your free report, you will need to supply some personal information to confirm your identity. There are some websites that charge a fee to provide your report, but you do not have to use them—you are entitled to a free report each year by law.
When you receive your credit report, review each section carefully. Check the first section for errors. It contains your personal information, such as name and address. If there are any inaccuracies, you can ask the credit bureau to correct them.
After the personal information section, your current bills appear next. Make sure that all the accounts listed are actually yours, and that the payments and balances are correct. This is the spot where any late or missed payments will show up as well.
Your credit reports from different agencies will vary slightly, as merchants report to different agencies. It is possible to have an great credit score with two of the 3 major bureaus and a poor rating with the other, for example. The credit bureau will also list any inquiries made into your credit history. Check the report to ensure that no unauthorized person or company has made an inquiry without your permission.
Be sure to contact the credit bureau with any information that needs to be corrected regarding your debt and credit history, so the credit bureau can take steps to make the necessary corrections.
Knowing that your personal credit information is safe, accurate and up to date with the 3 major credit bureaus will give you peace of mind.
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