Just about everyone has a credit record on file with one or more of the
credit reporting agencies. If you are a hermit who keeps his or her money
under the mattress, you probably don't need to worry about this. But, if
you are planning to apply for any sort of loan, you might want to check on
your credit reports in advance so that you don't have an unpleasant
surprise later on.
The three major companies are listed below along with how to get in touch with them. Each of them maintains a web site that provides free advice and updated information on how to obtain a copy of your credit report. Click on the name of each agency below to link to their web site.
In all cases, you can obtain a copy of your report for free if you have recently been denied credit. So, if you are turned down for credit, find out which agency the creditor contacted.
In some states, you are entitled to one free copy of your report, per year, from each service. Otherwise, each report will cost up to $8.
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Last Update: August 12, 2000.