Getting a Copy of Your Credit Report

Monitoring your credit is part of a sound personal financial strategy, so it's a good idea to check your credit report, which you can do every twelve months for free. To request a copy of your report, call 1-877-322-8228 or visit www.annualcreditreport.com. If you apply for credit and are denied credit, you may be able to obtain a copy of your credit report for free.

You can also request a copy of your credit score from a lending institution when you apply for credit, all you have to do is ask for your credit score. You can also pay for a copy of your credit report and credit score if  you want to monitor your credit throughout the year.

The three major credit agencies are listed below.

Experian

P.O. Box 2104

Allen, TX 75013

Phone: (888) 397-3742

Web site: www.experian.com

Equifax Credit Information Services

P. O. Box 740241

Atlanta, GA 30374-0241

Phone: (800) 685-1111

Web site:www.equifax.com

TransUnion Corporation

P. O. Box 1000

Chester, PA 19022

Phone: (800) 916-8800

Web site: www.transunion.com