How to Get Credit Scores from All Three Reporting Agencies

Reviewing your credit reports from all three of the nationwide bureaus will give you a complete view of your credit history. Reviewing all three reports instead of only one is a smart move because not all creditors report to all three agencies. That means a delinquent credit account showing up on your Equifax credit report might not appear on your TransUnion or Experian report. Federal law entitles you to three free reports every 12 months, including one from each of the bureaus.

Instructions

1

Get one credit report from the website Annual Credit Report. (See resources.) This is the site the credit bureaus set up to offer the free reports as mandated by the Fair Credit Reporting Act. Order from the site for immediate access to your Experian, TransUnion or Equifax report. Or see instructions on the home page for ordering by phone or through the mail.

2

Wait four months and order a second report from another of the credit bureaus.

3

Order a report from the third agency in another four months. Staggering the requests in this way will allow you to check your credit three times a year for free. Or request all three of your reports at once on your first visit to Annual Credit Report.