Getting your credit report is very easy. One thing you should know is that you are entitled to get a free copy of your once a year from the three bureaus, Experian, Transunion and Equifax.
It is advisable for you to get your report from each of the three bureaus. I will show you the easy ways you can get them but first, I will explain to you in the next two paragraphs why you need to get your report from the three of them.
The first reason is that not all creditors send information to the three bureaus. Some creditors report to only one of the bureaus, some creditors choose to report to any two of them, while some creditors may prefer to furnish the three bureaus with account of your financial habit.
A second reason is that the three agencies, Experian, Transunion and Equifax each use different methods to calculate your scores. The differences in the methods they use will definitely reflect in the score each of them arrives at.
There are three different ways to get your copies.
One method is on the internet. You can visit the website annualcreditreport dot com and follow the instructions on the page to download a free copy from Experian, Equifax and Transunion. You will be required to enter information which will verify your true identity before you will be given access. The reason for this is to prevent unauthorized people from getting your file information without your permission.
A second method you can use is by telephone. Call this toll free number to get yours for free by telephone - (877) 322-8228.
A third option you can also use in obtaining your credit report is by mail. Write a simple letter requesting your files and send it to the following address:
Annual Credit Report Request Service,
P.O. Box 105281
Atlanta, GA 30348-5281
Remember that as a consumer, you are entitled to get a free copy from Equifax, Transunion and Experian once a year from each of the credit bureaus. This is because the Fair and Accurate Credit Transactions Act which was signed into law in December 2003 gives you the right to do so.