Credit Report From All Three Credit Report Bureaus


Were you aware that you can get your credit report for free?

It’s a fact!

Under the Fair Credit Reporting Act (FCRA), the three major companies which collect and disseminate credit information which are used by sellers and lenders to ascertain your credit worthiness are required to provide one free copy of your credit report every 12 months.

You might wonder why you want to even get one credit report, much less all three.

Well, there are three good reasons.

First, all three credit reporting agencies; Equifax, Experian, and Trans Union, collect and publish different data ABOUT YOU from different sources. What is on one company’s report may not be on another’s. In any case, ANY of the data may be wrong!!

Second, if there is incorrect data on your personal credit report, you cannot know that it is there and needs to be removed unless you see the report(s) yourself.

You need to know about it and remove it because, in the third place, any time you go to finance a major purchase, get a loan, or ask for credit of any kind, whether you are approved, and how much that extension of credit will cost you, i.e. interest. Whether you pay 4% or 24% in interest will be dependent upon what your various credit reports have to say about you.

Why not just get one report?

As mentioned above, each report may have different information relevant to your credit history. Additionally, however, each potential creditor may use one, two, or all three reports to determine whether or not to grant you credit.

Another factor is that many potential employers will first run a credit report on you before offering you a job.

A couple of years ago, I applied to company I was interested in working with. Nothing came of it, and I went to work with another organization. However, the first company sent me a copy of the report they had received. The first item on the report caught my eye because it showed my address as being that of a Dallas nightclub. Actually, while moving, I had opened a temporary post office box at a UPS store in a strip mall which shared the street address with the nightclub. However, the preparers of the report noted that the address could not be valid as a residence and was that of a strip club!

Getting your free annual credit report is relatively simple…and each of us has our own definition of “simple”.

Probably, the simplest way is to go to

This is the ONLY government-authorized website where you can go to request this service. They do not send you emails requesting information or place pop-ups on other websites, and, if you see one of those, it is probably a scam and/or an incidence of “phishing”…someone trying to get your identity data for their use.

You can claim your annual free credit report by phone, by mail, or through the Annual Credit Report website. Do not use any other link, by the way, than the one above. It is the only valid link and any other may take you to a false website. FreeCreditScore.Com

You can also claim your report directly by phone or mail from the credit reporting agencies themselves. You will, of course, get the most immediate response by going through the Annual Credit Report link above, but, should you wish to contact the credit reporting agencies directly for your report, you can reach them at the addresses and phone numbers below:

Equifax Information Services LLC
Disclosure Department
P.O. Box 740241
Atlanta, GA 30374

866 200 6020
(Call for your report or use AnnualCreditReport link above.)

Best Bet: Go through the Annual Credit Report link.


1. If a company takes adverse action, such as denying employment, credit, or insurance based on a credit report you have 60 days to request a free report. You should receive a notice from the company involved as to the credit reporting company they used to make the determination.

2. If you are:

*Unemployed and plan to look for a job within 60 days

*If you are on welfare

*If your report is false due to fraud, including identity theft

If you are not presently eligible for a free credit report, they only cost around $10 each at the time I am writing this. Many people are afraid they will be hard to get and expensive, but that is not the truth. FreeCreditScore.Com


Of course, you will need your name (obvious), address, and social security number. If you have moved within the last couple of years, an agency may ask for your previous address(es). Each credit reporting company will probably ask for some information you alone should know, such as the amount of your mortgage payment.

Donovan Baldwin is a 65-year-old amateur bodybuilder, freelance writer, certified optician, and Internet marketer currently living in the Atlanta, Gerogia area. A University Of West Florida alumnus (1973) with a BA in accounting, he has been a member of Mensa and has been a Program Accountant for the Florida State Department of Education, the Business Manager of a community mental health center, and a multi-county Fiscal Consultant for an educational field office. He has also been a trainer for a major international corporation, and has managed various small businesses, including his own. After retiring from the U. S. Army in 1995, with 21 years of service, he became interested in Internet marketing and developed various online businesses. He has been writing poetry, articles, and essays for over 40 years, and now frequently publishes original articles on his own web-sites and for use by other webmasters. He offers a line of do-it-yourself legal software at

Experian Free Credit Report


Correcting inaccurate information is a task that is frustrating, costly and can continue for a lifetime, especially if hit with an identity theft. Correcting your information with Experian is now easier than ever! If you have a current

Experian report, simply log in to your member center, view your current report and click on the “Dispute Information?”. Get free credit report from Experian credit agency by asking for one in writing, online or by phone.

Changes in employment and an unstable history of residence can have a very detrimental effect on your credit rating, causing you to get turned down for a rental. Changes in employment and an unstable history of residence can have a very detrimental effect on your credit rating. You should check the status of any online investigation that you have previously requested and view the results of your online investigation after you have received the notification that your results are available for viewing. This will require you to get free credit report from Experian. FreeCreditScore.Com

You are ultimately responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report and/or score products. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee. Get free credit report from Experian, to find consumer, bankruptcy, money, loan, and credit information in your report.

A free credit report can be requested online. The free credit report is yours to keep. The free credit report shows credit-related information such as dates when new accounts were opened, balances and collection activity. If you spot possible fraudulent activity, immediately report loans or credit cards opened without your permission to the issuing financial institution. FreeCreditScore.Com

The free credit report is normally available when you subscribe for credit monitoring services with any providers. Get your free credit report from Experian, that a consumer is entitled to by law.

The credit reporting agencies use a complex formula which compiles all of the information in your credit file to determine your score, which is used as a “snapshot” of your credit health . The formula takes into account your payment history, the number and age of open credit lines that you have, how long you’ve had a credit history, the types of credit accounts you have, the total credit that you have available and how much of it you’ve used, and the number of inquiries there are on your report. The credit report tells how you have managed your credit in the past. FreeCreditScore.Com

Companies examine your credit report before deciding whether to give you credit. The credit report follows you everywhere so be sure to get free credit report from Experian. In this way, creditors have a way of warning each other that someone shouldn’t be trusted to pay their loans.

The credit reporting agencies are required to handle your corrections within a month. If any error is not handled within a month, the information must be removed from your credit report. The credit reporting agency then must investigate any item you believe to be in error on your report within a reasonable period of time. Any errors that the agency finds must be corrected within a reasonable time period (normally within 30 days); any information on the report thought to be in error that cannot be verified as correct by the agency must be deleted from your record.

Learn how to properly repair your credit by obtaining a free copy of your credit report from – a popular credit report and credit repair website that specializes in providing help with credit report disputes and free online instant credit reports.

How To get Free Credit Score

FreeCreditScore.Com – In difficult economic times and with the credit market getting tighter and tighter, it is important to manage your credit and finances very carefully. One of the best ways to do this is to keep track of your credit rating. A key component is your credit score. You can get your free credit scores on line from many companies on line. You have to be careful when dealing with some companies because there is a distinction between your free credit report and your free credit scores. The credit report lists your creditors, payment history, status of your loans, and any derogatory reports from the companies who gave you credit. This report does not contain any scoring. You can obtain one free report per year from the federal government. Your credit scores are completely different. The scores are calculated by reporting agencies based on your credit report. These scores are available to any company you are asking for credit from. When evaluating where to get your financial information from, be careful to read closely as to whether the company is offering free credit  reports or scores.

Another consideration regarding free scores is that your overall score is a combination of the scores from the three major credit bureaus: Experian, Trans Union, and also Equifax. Most companies look at all three scores to come up with a composite of your overall credit worthiness. Many sites will offer a free credit report, but not free scores. Many times you will be given one score, but have to pay for the other two. They also increase the pressure on you to buy by emphasizing that bad information could appear on one credit report and not on others.   The slick marketing appeals could make your free reports actually quite expensive. FreeCreditScore.Com

Another tactic that marketers use in the free credit reports game is to emphasize that information on your report can change at any time. They use this strategy to sell monthly memberships that keep track of any changes in your score. The problem is that most people’s scores do not change all that quickly. Only very financially active people are really in need of constant updates or even monthly ones. The average consumer would be fine checking once or twice a year. Although it is important to take control of your credit, the marketing technique is to promote paranoia. People feel that they leave themselves vulnerable to erroneous derogatory items if they aren’t constantly checking. In truth, mistakes are made by the credit bureaus, but they are relatively rare.

The companies offering credit reports also tend to oversimplify the credit system. The score that you see for each bureau isn’t the end of what your credit can say about you. Many industries, such as the mortgage industry, weight the information pertaining to how well you pay your rent in relation to the rest of your history. This score is different than the general score you might see. This complex calculation could be the reson your overall score is okay, but you still get declined for a loan. FreeCreditScore.Com

Click here to learn how to get your 3 Credit Scores [] and learn about Improving Credit Scores [].