If you apply for credit and are turned down you have the option of requesting a credit report. Unfortunately each time you apply for credit, it goes on your credit report as an inquiry. For this reason it is probably best not to apply if you are unsure of your credit rating. However, Congress has made it possible through a special mandate for individuals to request a free credit report annually. This information is invaluable in discussing interest and mortgage rates, or when attempting to receive a loan. Take advantage of this free information courtesy of the United States government.
Instructions
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There are three major credit reporting agencies. These are Equifax, Experian and Trans Union. When a creditor runs a background check, they will go to one of these agencies.You can obtain a free credit report from all three of these companies.
2Go to www.annualcreditreport.com to request a copy of your credit report online. Once you get to the site, you select your state from the drop down menu and then click "Get Report." Fill out all of the necessary information, such as name, address, and social security number. They will ask for word verification. Type it exactly as it looks. It is case sensitve.Pick all three sites and then click to continue. It will tell you to go to one of the sites to request their specific report. Find the area on their page that says "annual credit report," and click on that. You will be asked some questions to verify your identity and then you can view your report. Take down the report number for later viewing and bookmark the site. Once you have finished with that site there will be a "Return to AnnualCreditReport.com. You click on that to return to the site and request another agencies report.
3Another way of obtaining your reports is to call, 1-877-322-8228 to ask for a copy of all three credit reports by phone. You will be required to give some basic information in order to verify your identity. The call should take less than five minutes and the report
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