credit report index

Ordering Online

It takes a few minutes to fill out the online form.
You may then instantly view and print your credit report.
If you need to access your credit report later, It will be available online for the next 30 days.


 START HERE 
  to View and Print Your Credit Report Online
  GET IT NOW!

Requesting a free credit report by phone:

For consumers who are unable or unwilling to order their reports on the Internet, the US Congress made a provision in the FACT Act that covers this situation.
Simply call 18773228228; you’ll go through an automated Q&A phone system to answer a few questions and verify your identity.
The credit report file will be sent by regular mail to your address within 2 weeks, allow another 2 to 3 weeks for delivery.

Ordering your free annual credit report by mail:

Click Here to download the .pdf request form (you’ll need an adobe reader to access the file).
Print and completely fill out the form, then mail it to:
AnnualCreditReport Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Your credit report will be mailed to you within 15 days, allow an additional 2 to 3 weeks for delivery

Order your free credit report today!
You may try our credit monitoring service for 30 days free with no obligation. You can cancel at any time.

What you get:

  1. Unlimited Online Access to your Credit Report for 60 days.
  2. Automatic notifications of Any changes to your credit report.
  3. A detailed Personal Analysis.
  4. Details on who has reviewed your credit report.

It's important to periodically review your credit file as more than half the credit reports contain some errors, according to the Federal Trade Commission (FTC.gov)

There may be some confusions or misspellings of your name: perhaps you entered Bob Jones on an application and Robert Jones on another, or negative credit information from a different Bob Jones is recorded on your credit file,...

Often, there can be errors from the credit bureaus themselves: the credit info is transmitted to the 3 major credit bureaus by tapes or written reports, and a simple typographical error may inadvertently add negative information to your file.

Creditor error happens when the reporting company mistakenly sends the wrong information about you.

Finally, since the major credit bureaus are competitors, they do not sharre information. So positive information may be reported to Equifax and Experian, but is absent from your credit file at Transunion.

For these reasons, it's important to check your free credit report before any major purchase or at least annually to report any mistakes.

Ordering your Free Credit Report is easy. The Federal Trade and Accurate Credit Transactions Act (FACT) of 2003 allows you to obtain a free annual credit report from the 3 major credit bureaus once a year at no charge.

You are also entitled to a free credit report if:

  • You have been denied credit, insurance or employment in the last 60 days and the denial was a result of information contained in your credit report.
  • You are on welfare.
  • You are or you suspect being a victim of credit fraud or Identity theft.

    • Click Here for dditional information on ordering and understanding your credit report.

 

Experian - Credit Report - Free Credit Report - Annual Credit Report - Online Credit Report

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Get Your Credit Report & Know Your Credit Options

Get Your Credit Report & Analysis

It is very important to get your credit report and analysis. Why is this important? For one thing, if you're thinking about buying a house or applying for credit for any other big purchase, you'll need a clean credit report, and it's always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are fairly common, and which can throw a monkey wrench in the works if not resolved.

Ideally, you should get your credit report and analysis once a year with each of the three credit bureaus:

• Bills can get them all - http://www.bills.com/creditreport

• Equifax - (800) 685-1111, http://www.equifax.com

• Trans Union - (800) 888-4213, http://www.transunion.com; and

• Experian (888) 397-3742, http://www.experian.com

You're entitled by law to get your credit report and analysis for free from each of these three credit bureaus once a year. You can get all three at once or spread them out over the year. If you get your credit report and analysis more frequently than that, each report will cost no more than around $10 and in some states considerably less.

If you've been turned down for credit in the last 60 days because of something a lender saw on your credit report, you can get your credit report and analysis free of charge. Lenders are required by law to notify you of this right if they deny you credit.

When you get your credit report and analysis, review them carefully to make sure all the loans and credit accounts listed really belong to you, and that all the accounts listed as open are actually current loans or balances. If a loan you've paid off or a credit card that was cancelled is still listed as open, contact the credit bureau and ask for your credit report to be corrected.

What Is the Range of Possible FICO Credit Scores and What Do They Mean?

FICO credit scores range between 300 and 850. Ratings are as follows:

~ Excellent: Over 750
~ Very Good: 720 or more
~ Acceptable: 660 to 720
~ Uncertain: 620 to 660
~ Risky: less than 620

How Is My FICO Credit Score Calculated?

The formula used to calculate your FICO credit score includes information based on several factors:

~ 35% on your payment history
~ 30% on the amount you currently owe lenders
~ 15% on the length of your credit history
~ 10% on the number of new credit accounts you've opened or applied for (fewer is better)
~ 10% on the mix of credit accounts you have (mortgages, credit cards, installment loans, etc.)

In general, when people talk about "your credit score," they're talking about your current FICO score. But in fact there are three different FICO scores developed by Fair Isaac-one at each of the three main US credit reporting agencies. And these scores have different names.

WILL YOUR SCORES BE DIFFERENT?

FICO credit scores range from about 300 to 850. It's important to get your credit report and analysis so you can understand what your FICO score is. Fair Isaac makes the scores as consistent as possible between the three credit reporting agencies. If your information were exactly identical at all three credit reporting agencies, your scores from all three would be within a few points of each other. But here's why your FICO scores may in fact be different at the three credit reporting agencies. The way lenders and other businesses report information to the credit reporting agencies sometimes results in different information being in your credit report at the three agencies. The agencies may also report the same information in different ways. Even small differences in the information at the three credit reporting agencies can affect your scores. Since lenders may review your score and credit report from any of the three credit reporting agencies, it's a good idea to check your credit report from all three and make sure they're all right.

Usually when you get your credit report and analysis from the credit bureau it will include a form for reporting any inaccuracies. Give as much detail as possible, and if you have documents that back up your claim, provide copies. By law, the credit bureau must investigate your credit report claim, but even if they decide your credit report is accurate as it stands, you should continue to try to correct the report by writing a letter explaining your side of the story (not to exceed 100 words), which the bureau is required to provide to anyone requesting your credit report.

When deciding whether to approve credit, lenders take the following into consideration:

• Your payment history--do you pay bills on time?

• Have you had a bill referred to a collection agency?

• Have you ever declared bankruptcy?

• How much debt do you have outstanding compared to your credit limits? The closer your debt is to your credit limit, the less favorable.

• How long is your credit history? If you haven't had much of a credit history yet, prompt payments are even more important.

• Have you applied for more credit lately? Too many applications for credit has a negative impact on your chances for approval.

• How many credit accounts do you have? Too many is considered a negative.

Information is retained in your credit report for up to seven to ten years. When you get your credit report and analysis, if you have negative items in your history, you can gradually repair your credit by consistently paying your bills on time from now on, paying down your balances, and not taking on any new debt. Lenders will take your improved record into consideration when deciding whether to approve credit, especially if you've been paying on time for at least a year.

About the Author:

Brad Stroh is currently co-CEO of Freedom Financial Network and Bills.com. If you would like more of Brad's articles, please visit the Bills.com information on Credit.