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getting a credit report

Mar 29,  · How do I get a copy of my credit reports? You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from . May 19,  · Getting credit for the first time isn't always easy. Most creditors want you to have credit before they'll give you credit, which makes it kind of tough to get started. Once you've gotten credit for the first time, the next time will be a little easier. You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from, the only authorized website for free credit reports, or call You will need to provide your name, address.

How do I get a copy of my credit reports?

Your credit report include information on your address, the number of credit accounts you have, whether you pay your bills on time, and whether you have been sued or filed from bankruptcy. Lenders use it when determining whether to lend to you and at what rates, getting a credit report. The United States Federal Trade Getting a credit report FTC recommends that you check your credit report at least once a year to prevent identity theft and to make sure your information is being accurately reported, getting a credit report.

This article was co-authored by Michael R. Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. Categories: Featured Articles Credit Rating.

Co-authored by Michael R. Lewis Updated: August 20, There are 14 references cited in this article, which can be found at the bottom of the page. Method 1. Go to annualcreditreport. This is the website set up by the three credit reporting agencies — Equifax, TransUnion, and Experian — to allow customers to easily request a credit report. Fill out the required information. You will need to provide basic information to establish your identity, including your: [2] Birthdate Social security number Current address Previous address if you have not lived at your current address for 2 years.

Decide which credit reports to order. The three reporting companies get their information from different places and so may have slightly different information. They also present it in different ways. If you are about to seek credit for a large purchase like a car or house, it is a good idea to get all three reports to make sure your credit information is accurate, getting a credit report.

If you are not about to make a big purchase, it makes more sense to space out your requests so that you can getting a credit report track of your credit information over the course of the year. It also provides an month credit history for each credit account, reflecting whether the account was paid or overdue in each of those months.

For more on the Equifax report layout and codes used, see here. Experian — The most helpful feature of Experian reports is that they tell you when an account or a negative report is scheduled to fall off your credit report. Experian also offers an month payment history for each account. Experian is also the only company to report on-time rent payments, as opposed to just late ones.

For more on the Experian report layout and codes used, see here. TransUnion — TransUnion tends to have the most up-to-date previous address and employment information, getting a credit report. You can correct the employment information via their website when you get the report, though this will not change your credit score. They are also the only credit agency to report your monthly balance and payment as part of your credit history. For more on the TransUnion report layout and codes used, see here.

Verify your identity. Each credit reporting agency will ask you questions regarding your credit history in order to verify that you are who you say you are. The questions will concern your credit accounts — when they were opened, how much you owe, etc. View your report or reports online. You will be able to view all the reports you ordered online. If you register an account with the reporting companies, you may be able to return to view them for up to 30 days.

Otherwise, you will only be able to view them once, so be sure to save the reports or print them. Request a credit report by phone or mail. If you're not the internet type, there are two other ways to request your free annual credit report: By phone — To request that your report be mailed to you by phone, call and ask for a copy of your report from each of the three reporting agencies.

You will go through a simple verification process over the phone, similar to the online process, and should receive a copy of your report within 2 to 3 weeks of your request. BoxAtlanta, getting a credit report, GA You can expect to receive a copy of your report in approximately two to three weeks from the date your request is received by AnnualCreditReport. Check your credit report, from all three bureaus, every year. If one of the bureaus gets false information from your credit company, or it simply makes a mistake, it pays to fix the problem quickly.

A lingering blemish on your credit report might go unnoticed and then get buried if you fail to request a report every year, leaving you with a mysteriously low credit score and no reasons why. Print and archive your credit report.

Having a physical copy is so old-school, but it's also smart. Having copies of your credit reports dating back to when you first started using credit may come in handy if you ever need to show proof, for example, in a dispute with a credit company or the bureau itself. Method 2, getting a credit report. Know what all the information on your report means. All three reporting agencies report the same type of information on their reports: [5] Identifying Information — Your names, address, social security number, date of birth, getting a credit report, and places of employment.

Credit Accounts — These include mortgage accounts and home equity loans, revolving accounts credit cardsand installment accounts, where the amount and term of payment are fixed, such as a car or student loans.

The payment history for each account will be recorded for 81 months or more in the case of TransUnion. Satisfactory and negative accounts will be reported separately, with negative accounts usually reported first.

Credit Inquiries — Hard inquiries occur when you apply for a loan and authorize a getting a credit report to ask for your report. These inquiries negatively impact your credit score if there are too many in a short period. Soft inquiries do not impact your credit score. Public Record and Collection items — This includes bankruptcies, foreclosures, lawsuits, getting a credit report, wage attachments, liens, getting a credit report, and information on overdue debt from collection agencies.

Examine your report for signs of identity theft or credit fraud. The first thing to do with your credit report is to scroll through it to be sure there is no inaccurate information. This will help to protect your credit score and to prevent identity theft. Make sure getting a credit report check: [6] Name — There should be no names listed other than your own. Address — Be sure the only addresses listed are places you have lived.

If another address appears, it may be a sign of identity theft. Credit Accounts — The report will list all your present and past credit accounts, along with information regarding whether payment has ever been late, and if so, how late. Make sure all accounts belong or belonged to you, and check to be sure any negative information is correct. Public Records Information — Check to see if your report lists any delinquent accounts, getting a credit report, bankruptcies, foreclosures, lawsuits, wage attachments, liens, or judgments, be sure they are accurate, getting a credit report.

This sort of information can devastate your credit score, so be sure it is accurate if reported. Report inaccurate information. You can inform reporting companies that you think information is inaccurate via their websites while reviewing your report, or you can write to the companies. They must investigate the disputed item and forward your dispute to whoever provided them the information.

You should also report the inaccurate information to the creditor in question, otherwise, they may report it again and it will reappear on your credit report. If the reporting agency refuses to remove the disputed item, you can ask that a statement of your dispute be included in all future credit reports. Box ; Atlanta, GA Getting a credit report ; Allen, Getting a credit report Box ; Chester, PA Put a fraud alert on your reports.

If you do find inaccurate information, it may be a sign of attempted identity theft. To safeguard your credit, contact Experian, TransUnion, or Equifax to put day fraud alerts on getting a credit report accounts. These alerts will inform lenders and creditors that they need to take extra precautions to verify your identity before issuing any more credit. You only need to contact one agency, and they will tell the other two to put alerts on your accounts.

Know the difference between your credit report and credit score. Your credit score is a number that lenders use to determine your eligibility for loans or credit cards, and it is calculated using your credit history. One website describes it this way: "If credit was a term paper, getting a credit report, the score would be your grade at the top and the report would be the feedback your professor wrote about how well you performed on the back.

Scores are as follows: or less — This qualifies as bad credit, meaning you will find it difficult to secure credit for a car loan or mortgage. You will probably only qualify for a secured credit cardwhich requires a deposit before you can make charges, much like a debit card.

You should be able to get top rates on loans and any of the best credit cards. Take steps to improve your credit score. You can do this by either paying down your balances or obtaining more credit. Method 3. Re-order a credit report if necessary, getting a credit report. The FCRA provides for certain situations in which consumers are entitled to another free credit report, even if they have already obtained one from that reporting agency in the last 12 months.

Some situations that may entitle you to a free report include: [13] You had an "adverse report" - i, getting a credit report. The employer, insurer, or bank will send you a notice that includes the contact information for the reporting agency that provided the report used.

You have 60 days from the date you learn of the denial to contact the agency and ask for a copy of your credit report. You are unemployed and plan to begin looking for a job within the next 60 days. You receive government welfare assistance. You are a victim of fraud or identity theft and believe is has resulted in inaccurate information being placed on your credit report. Get an extra free report courtesy of your state.


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getting a credit report


You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from, the only authorized website for free credit reports, or call You will need to provide your name, address. Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. Mar 29,  · How do I get a copy of my credit reports? You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from .