How do I get a copy of my credit report?There are three main credit agencies where you can obtain your credit report - Equifax, Experian, and TransUnion. Each of these institutions gathers the information on you from a host of sources and they put it all together into a ledgeable document. You can obtain a free credit report from these agencies once a year through www.annualcreditreport.com. This is a site, which is run by all three agencies, and came about through legislation requiring credit bureaus to provide consumers with their reports free of charge. You do have to pay extra to get a credit score with this report. It is very easy to get your free credit report from the three bureaus so you need to beware of agencies claiming to provide you a free report provided you sign up for credit monitoring. This is a bit of a scam as these companies claim to give you a free report and then only give you 72 hours to cancel their service. If you don't cancel in time, you are locked into a monthly maintenance plan with them. Obtaining your credit report is very important in monitoring your score and entries on to your credit file. You want to make sure there are not any negative items or inaccurate items on your credit report as this will effect your overall credit score. Maintaining an active roll in monitoring your credit will pay off in dividends when you are applying for your next loan or credit card. « Previous Question | Back To Questions | Next Question » |
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