Your credit report contains information about your credit accounts, collections and other debt-related accounts. You can request your credit account online to instantly see how you stand regarding your credit. Online credit reports show you all of your credit account information, and some sites provide additional functions, such as credit monitoring or credit simulation, a program that simulates the impact of various events on someone's credit score.
Annual Credit Report
AnnualCreditReport.com is sponsored by the three largest consumer credit-reporting bureaus in the United States: TransUnion, Equifax and Experian. This site is recommended by the Federal Trade Commission as the sole authorized source to obtain your yearly free credit report. The Fair Credit Reporting Act requires these three credit bureaus to provide you with a no-cost report every year.
Credit Bureaus
Most credit-reporting bureaus, including Experian, Equifax and TransUnion, provide a way to purchase and view a credit report online (see Resources). Some credit bureaus also offer extended services, such as credit monitoring or credit scores, to go along with the report. The section for obtaining a credit report from the bureau is typically prominent on its website, usually displayed on the landing page or soon after.
My FICO
The My FICO website provides consumers with copies of their credit reports as well as the official FICO score used by many lenders to determine creditworthiness. This site, run by the Fair Issac Corp., provides credit scores from TransUnion and Equifax. Experian credit scores are obtained through the Experian website directly.
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