All, Credit Report
3 Easy ways to get your credit report
January 12, 2008 by admin · Leave a Comment
It is important to get a copy of your credit report for many reasons. Knowing your credit, and effectively managing it, is vital if you wish to maintain a good credit score. There are many ways to get a copy of your credit report, some more direct than others.
The first method you can use to get a credit report is to contact a credit reporting agency directly. The three primary agencies are TransUnion, Experian and Equifax. You simply have to go to their website and order a copy of your credit report. You can expect to pay anywhere from $15 to $20 for each copy of your credit report and score. Each agency also have a bunch of other credit reporting services that they offer at higher rates. You do not need to get any of those if you’re simply looking to get a copy of your credit report and score.
The second way of obtaining your credit report is by visiting AnnualCreditReport.com. You are legally allowed to get a copy of your credit report from each of the credit agencies once a year. When you go to AnnualCreditReport.com, you simply have to choose which agency you’re going to obtain your report from and follow the instruction. The entire process is free and you do not need to provide a credit card to complete the request unless you would like to purchase your credit score along with the report.
Since you’re allowed one free report each year from each agency, you can constantly check your credit report every 4 months to make sure that everything is normal.
The third way of obtaining a copy of your credit report is by requesting it from one of the credit agencies when you’ve been denied credit. If you apply for a credit card or a loan and are denied credit, the creditor must explain the reason why they denied you the credit, the credit agency that was used to obtain your report, and a chance to obtain a copy of the report.
Within the denial letter, there should be instructions on how you can obtain a copy of your report. Many times you will have to make a written request, but it is also possible to obtain the report online.
There are many ways you can obtain a copy of your credit report. Go visit one of the sites and obtain a copy of your credit report now.
