Can I See My Credit Report?

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Most people use credit everyday -- like student loans, mortgages, and credit cards. Everyone is entitled to get a free copy of their credit report once a year from each of the three credit bureaus: Experian, Equifax, and Trans Union. To get your free credit reports, go to annualcreditreport.com. Otherwise, the credit bureaus will probably charge you a fee.

A Credit Report provides information that shows how you've managed credit in the past. It includes the name and address of companies that have extended credit to you, such as banks, stores, and credit card companies. It also includes a summary of your payment history, and the maximum amount of credit extended. The report includes information about any judgments entered against you by a court and includes employment information, your social security number, your last known address, and prior addresses.

When you receive the report, you should review it carefully. If you don't understand the information in the report, ask questions. The credit bureau staff is required by law to explain the report to you. If you find inaccurate and unverifiable information, it must be deleted from your credit file. If after investigation, the credit report agency determines that the information is accurate, you have a right to dispute that item. You're entitled to provide a brief written explanation that will be made a part of all future credit reports.


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This content is for information only and may be incomplete. It is not intended to be legal or tax advice.
You are encouraged to consult with your own attorney, accountant or other advisor.




 
     
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