Now that you know just how important your credit report is, you should check your credit report regularly to ensure that all information reported therein is accurate and up-to-date. It is recommended that you check your credit report at least twice a year. It is essential that you get one copy from each of these three consumer reporting agencies so you can get a clearer picture of your credit profile as not all your creditors will report to all three bureaus.
The three main credit bureaus– Equifax, Experian, and TransUnion– are required by the FCRA to give you a free copy when you request it from them once every year. This free annual report can only be ordered through a centralized system set up by the three bureaus. You can either go online, call a toll-free number, or mail a form to a specified address. Here they are:
The fastest way to get a copy of your free annual report is to request for a copy online since it is available to you immediately once you have filled in all the information asked for. For phone requests, the processing time is 15 days while for snail mail, you can expect your credit report to be mailed to you within 15 days from the date of receipt of your request.
This program is ideal for anyone interested in real and lasting credit improvement.
Additional copies of your credit report will have to be bought (cost up to $11) from the main credit bureaus. Here are their contact details:
A final note about buying your reports: While you can certainly order your reports from these three companies in one go, it is also a good strategy to get your credit report from each credit bureau at different times of the year. This way, you can regularly monitor the thoroughness of your credit report and take prompt action should you find any inconsistencies.
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