How Do I Get a Credit Report?

You’re entitled to a free credit report from each credit reporting agency at least once a year.

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Unless you’re under age 21, and even sometimes then, it’s very likely you already have a credit history. So the first step in managing your credit history is getting a copy of your credit report.

There are three primary companies in the U.S. that produce credit reports: Equifax, TransUnion, Experian.

You’re entitled to a free credit report from each credit reporting agency at least once a year, and it’s recommended you do this through the Federal Trade Commission’s simple one-stop service in one of three ways:

At any time, you can also get a free credit report if:

  • You’re denied credit, insurance, or employment based on your credit report;
  • You’re unemployed and looking for work;
  • You’re receiving public assistance; or,
  • Your report is inaccurate because of fraud, including identity theft.

If you’re ineligible for a free annual report, you can purchase your report directly from the three reporting agencies, for up to $10.00 per copy:

Equifax: 800-685-1111 or www.equifax.com

Experian: 888-EXPERIAN (888-397-3742) or www.experian.com

TransUnion: 800-916-8800 or www.transunion.com

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