Checking Your Credit Report

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Obtaining A Copy Of The Credit Report

An individual can usually obtain a copy of his credit report just by asking for it, supplying identifying information and paying a small fee. In some states an individual is entitled to a free credit report each year. A credit reports request should be signed, and contain the following information:

A. Name: Including maiden name or other names used.

B. Birth Date: place of birth is also helpful.

C. Social Security Number.

D. Current address: As well as former addresses for the past five years.

E. Spouse's Name: If married.

Contacting The Credit Bureau

Credit bureaus can be local or national, and an individual may have to request separate credit reports from more than one bureau. Local credit bureaus can usually be fount by checking the local telephone directory under the heading of 'Credit Reporting Agencies.' There are three national credit-reporting agencies.

You can obtain your credit report online from Equifax at this address.

http://www.equifax.com/consumer/product/select/web/choice

An outstanding value, a report, containing information from all three national credit bureaus, is available here.

Click here for a credit report from all three national credit bureaus.

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