Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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Step 1: Get a copy of your Credit Report.
Errors in your Credit Report are often difficult and time-consuming to correct, even when they're not your fault. That's why it's wise to review your credit record every year as well as several months before you begin shopping for a house or a mortgage.
Your private credit history is maintained by three different companies, often called credit "repositories" or "bureaus," which collect and store information supplied by the department stores, credit card companies and others with whom you have accounts. Not all creditors report to all three repositories - major Credit Report agencies, though, so your file could be different with each one.
Under the Fair Credit Reporting Act, you are entitled to a free copy of your Credit Report if you have been denied credit within the previous 60 days or are a resident of Colorado, Georgia, Massachusetts, Maryland, New Jersey and Vermont. Simply follow the instructions in your rejection notice. Otherwise, you can obtain a copy of your Credit Report from each of the three Credit Report companies for a fee.
The three major credit-reporting agencies to contact are: Equifax Credit Information Services, Experian National Consumer Assistance Center, Trans Union National Disclosure Center.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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