How to Obtain Personal and Business Credit Reports Fast

Each year, you are entitled to receive your credit report from nationwide credit reporting companies. These companies keep track of everything you or your business does; in terms of receiving, using and paying back credit. Checking these reports periodically will help you keep up on possible mistakes or to inform the credit reporting companies of missing information, which can help you secure either a personal or business loan should you apply for one in the future.

Instructions

1

Pick a company to get your personal or business credit report through. The three major nationwide companies are Experian, Equifax and TransUnion. While other companies exist, these three will get you your credit report the fastest, because they're nationwide.

2

Supply the company of your choice, or all three, with the information needed to get your credit report. Have it ready, and the process will go faster. You need to give your Social Security number, your date of birth, your full name and your current home or business address. For a business credit report, you may need your Employer ID Number.

3

Answer any questions you are asked as accurately as possible. Additional questions may be used to confirm your identity, such as how much you pay to lease your business office or how much your home loan is for.

4

Expect to receive your personal or business credit report you requested within 15 days of ordering it over the phone or online. While ordering it by mail is also an option, it will slow down the process. Answering the identifying questions accurately helps ensure that additional information won't be needed, which will slow down the request.