Ordering a Credit Report
Find out what the top three credit bureaus (Equifax, Trans Union, and Experian) are saying about you. And remember that your information on file is likely to be at least slightly different at each one. Creditors aren’t required to report to all three bureaus, so they typically report to the one to which they also subscribe. Therefore, it is preferable to order a three-bureau, merged credit report. Credit reports should be reviewed at least twice a year.
If you’ve been denied credit, insurance or employment because of your credit report, you are entitled to a free copy of your report from the reporting agency. The company you applied to must supply the credit bureau’s name, address and telephone number. You have 60 days after receiving the denial notice to request your copy.
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