3 Easy Ways To Get Your Credit Report
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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 can write or call these agencies directly. You can also contact them online.
Search for a credit report from these three agencies online and you will find methods by which you can contact them to get a copy of your credit report.
Going directly through one of these three agencies will ensure you get the most up-to-date version of your credit report, as anyone who accesses your credit report must go through these three agencies. If you do the same, you will be cutting out the middle man, ensuring that you receive the most current copy of your credit report possible.
Second Way to Get Your Credit Report:
You can also contact a credit monitoring service online. There are hundreds of these services, some are free, and others require a membership fee. The major benefit to going this route is the additional tools that these websites offer you.
On top of giving you a copy of your credit report, they will also be able to help you repair, or simply understand, your credit.
The tools and tips on these websites can be invaluable if you have bad credit and are looking to repair your credit score.
By searching for "online credit report" you will find hundreds of these services that can help you view your credit report. Another major benefit of using a service to view your credit report is the ability to get a copy of your credit report from each of the three major credit reporting agencies.
Many of these services offer to obtain your credit report from Equifax, Experian, and TransUnion, rather than just viewing one of the reports.
Third Way to Get Your Credit Report:
There is one other popular way to view your credit report. This method only applies if you have attempted to receive credit recently, especially if you were turned down for credit.
Whenever a lender views your credit report and then denies you credit, you have a right, by law, to see a copy of the credit report they have viewed.
By requesting a copy of your credit report, the lender is legally obligated to mail you a copy of your credit report. This method can take a few weeks, but will allow you to see a copy of your credit report for free.
Simply write a letter, call, or send an email to the lender who has denied you credit explaining that you wish to see your credit report. They will then send a copy to you in the mail.
Posted by jonathan on February 03, 2005 at 06:49 PM