You need to know how your credit looks. It’s important to view your credit report at least once a year to ensure that the information is correct and free of fraudulent activity. Fortunately, it’s easy to find the information you need.
The “big three” credit bureaus–Equifax, Experian and TransUnion— share your credit information with lenders and creditors when you apply for credit.
A credit report includes four basic types of information:
- Identification and employment information –Personal information, such as name, birth date, Social Security Number, and employer.
- Payment history– A list of the accounts you have with different creditors, showing how much credit they extended to you and whether or not you have paid on time.
- Inquiries– A record of the lenders and creditors that have requested your credit history.
- Public Record Information- Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens.
Requesting a Report
As of September 1, 2005, free annual credit reports are available in all states. To learn more about annual credit reports, visit www.annualcreditreport.com, or call (877) 322-8228.
In addition, a credit report can be ordered from each of the credit bureaus listed below. The reports are usually less than $10, but they are free if you've been turned down for credit, employment or housing in the past 60 days.
Monitoring your credit for accuracy is an easy step to take in protecting yourself from fraud and identity theft. To request a copy of your credit report, use the information below to contact each credit bureau.
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