Your free credit report is available with the credit reporting agencies. These agencies are - Experian, Equifax and TransUnion. You are entitled to your report once in 12 months. In order to keep a check on your financial history through the year, it would be a good idea to stagger these reports, so that you get on every 4 months. Otherwise you will get all three together. This is done primarily it is to regulate your finances so that you have no outstanding dues and by your score, you will know how to make your financial position stronger.
These credit bureaus have analysts who will help you if you so wish. They are qualified to advise you on all matters financial. Also, you will know if anyone has accessed your report. They collect and collate all the information that is relevant to you. Since this report is important to you for you to get credit, you will need a report from all three agencies.
Your report can be shown to anyone other than yourself only if you have given a written consent. If for some reason your report has been accessed by someone else, you have every right to go to the concerned federal agency for redressal. The other reason is that since these bureaus collect so much data, there might be mistakes. All your records need to be kept up-to-date and must be absolutely correct. You will be able to check for fraud and identity theft. There are 3 ways by which you can get your credit report. You can apply online, call them, or fill a request form and mail them.
Be very vigilant about imposter sites and there are quite a few of those out there. The Federal Trade Commission has warned that it is extremely important for you to be very careful when typing the name of the site on your internet browser. Do not copy and paste. You need to type out on your search bar. When you request for a credit report, you will need to provide the following information: Your Name, Address - current and the past two years, your Social Security Number, and your Date-of-birth. You would do well to remember to apply only to an authorized source in order get your credit report from. In case you feel that there is some deception, you are free to write to the Federal Trade Commission's database of deceptive scam.
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