Credit Report Now

How can I get a copy of my credit report?

Combined online credit report from all 3 bureaus. See it NOW and print it out. Compare what Experian, Equifax, and Trans Union are saying about you in one easy to read report, now just  $34.95. BONUS: Your credit score (fully explained, with tips for improving it) is included FREE!

See your credit report from one of the 3 nationwide credit bureaus now! See it NOW.  Includes your CREDIT SCORE!

Free credit report Get a free Credit Report, and learn how you can see your credit report online as often as you want. A year-round credit-watch service is available to help improve your credit and detect identity theft.

About Credit Reports

Actually, three national companies maintain data on the creditworthiness of millions of consumers in the United States. The companies are Experian, Equifax, and Trans Union. (Experian's business was formerly part of TRW. Many people still call it my TRW report - but the term is now incorrect.)

It is likely that each one of the major credit bureaus has an active file on you if you have ever applied for a loan, Master Card, Visa, or other revolving account, such as those offered by department stores.

Since the three bureaus do not share the data among themselves, differences are not unusual. Your history as reported by each can be merged and combined into a single printout. You can order your merged credit report from Experian Equifax and Trans Union here . Many lenders, landlords, and other companies just check one of the reports before doing business with you, but you can eliminate surprises about what they might find by checking all three.

As you become aware of what is being reported about you, you'll may need to know the answers to these questions:

• What is the procedure to correct errors in my credit report?
• Dispute a false item in my report
• How can I contact Equifax, Experian, and Trans Union?
• Is there a dispute form I can use?

Credit Score

You can see your credit score to anticipate how lenders are likely to evaluate you in terms of creditworthiness for repaying a loan and making the payments when due. Each lender has their own cutoff points, there is more than one kind of score, and other factors may be considered as well - but your score and the reasons behind it are extremely important in your ability to get the financing terms you want. Here's more information about credit scoring, and answers about "What is my FICO score?"

Privacy and Theft

The reliance on credit information makes a new kind of crime victim possible. To help you, we explain identity theft, provide an identity theft action kit, and a version you can print. If you feel that you are the victim of fraud, you can have an alert added to your file. Contact credit bureau fraud departments.

Free Credit Reports

In certain states, and under certain conditions you may qualify for a free credit report. Here's the information on free credit reports. 

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