There are 3 major credit bureaus that have information on your regarding your credit history. If you’ve applied for a loan or credit card, then you have filed at one of the 3 major credit bureaus. You may have to request a free report from all three to get an overall look at your credit report.
Obtaining Your Credit Store
To request a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to provide all your personal information. There are sites that will charge you for a credit report from one of the 3 major credit bureaus, but it is necessary for you to know that by law you are entitled to one free credit report a year. You should contact the credit bureau directly to get your free report.
Receiving Your Credit Report
When you do receive your credit report from the 3 major credit bureaus, pay particular attention to certain sections. The first section details your name and address. You should check this to make sure that it is correct. If there are any inaccuracies in this section, you need to contact the credit bureau.
The next section will give details of your current bills. Each of the three major credit bureaus may contain the same information or one of the three may have different information regarding your credit history depending on which merchants report to that credit bureau. You should also note that you might have an excellent credit record with two of the 3 major credit bureaus and a poor rating with the other.
Check the listing of your bills, the amount of the payment and the due date. If you have been late with a payment or missed one altogether, this will show up on the credit report. You also need to check to see who has been inquiring about your credit history. This ensures that no unauthorized person or company has been making inquiries without your permission. When you see that everything checks out, then you know that your information is safe with the 3 major credit bureaus. If there are any inaccuracies, you will need to contact the credit bureau. This is essential to start taking the necessary steps to have it corrected.
There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.
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