There are 3 major credit bureaus that have information on your regarding your credit history. Anyone that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since merchants usually report to only 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.
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. Provide all your personal information when you sent your request by email. 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. Directly contact the credit bureau in order to get your free report.
You need to pay particular attention to certain sections of the report that you received from the credit bureau. The first section details your name and address. Checking to make sure that it's correct is essential. Contact the credit bureau if there are any inaccuracies in this section.
Details of your current bills is what you'll see in the next section. Either one of the three may have different information regarding your credit history or each of the major credit bureaus contain the same information, depending on which merchants report to that credit. 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.
Other things you should check include the listing of your bills, due date, and the amount of payment. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. To make sure that no unauthorized person or company has been making inquiries without your permission, you also need to check to see who has been inquiring about your credit history. When you see that everything is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any inaccuracies in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.
Knowing about the 3 major credit bureaus is a must if you are concerned with your credit report.
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. Provide all your personal information when you sent your request by email. 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. Directly contact the credit bureau in order to get your free report.
You need to pay particular attention to certain sections of the report that you received from the credit bureau. The first section details your name and address. Checking to make sure that it's correct is essential. Contact the credit bureau if there are any inaccuracies in this section.
Details of your current bills is what you'll see in the next section. Either one of the three may have different information regarding your credit history or each of the major credit bureaus contain the same information, depending on which merchants report to that credit. 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.
Other things you should check include the listing of your bills, due date, and the amount of payment. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. To make sure that no unauthorized person or company has been making inquiries without your permission, you also need to check to see who has been inquiring about your credit history. When you see that everything is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any inaccuracies in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.
Knowing about the 3 major credit bureaus is a must if you are concerned with your credit report.
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