How to Obtain Your Credit Score


All lenders are going to verify your credit history and your credit score.  Therefore, it is a good idea for you to check your own credit rating, even though you have excellent credit.  This allows you to be aware of any concerns or issues you might not have known about.  Identifying and correcting any credit blemishes can improve your credit rating and make you eligible for preferred rates from lenders and insurers.

The Fair Credit Reporting Act allows you to obtain one free credit report from each of the three major reporting bureaus every 12 months.  To obtain a report, go online to www.annualcreditreport.com.  You can obtain your report for free. If you do not have access to the internet, you can call 877-322-8228.

three major credit bureaus

Equifax

www.equifax.com
800-685-1111

Experian

www.experian.com
888-397-3742

Trans Union Corporation

www.transunion.com
800-888-4213