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Getting a Copy of Your Credit Report

By Ruth Racey
Published: Monday, December 21st, 2009

Getting a personal copy of your credit report is one of the best things that you can do, especially when you are concerned in maintaining a good, healthy credit card account. This is because of the fact that your report actually contains all the necessary information that serves as an indicator on whether you have actually been great in maintaining your credit account or not. In short, it is in your credit report wherein you can refer to the different data that shows if you still have a healthy credit account or not. 

Remember that your credit report actually shows whether you are paying your bills right or not, on whether you have accumulated a huge amount of debt or have paid off your balance regularly, as well as all the credit cards that you hold. In this case, when you want to monitor your spending, as well as the usage of your credit card, looking at your report is surely a great help for you. Here then are the ways on how you can get a personal copy of your credit report: 

  • Getting a copy from the three main credit agencies in the country: Experian, TransUnion and Equifax
    These three large credit agencies are the place to go whenever you want to get a personal copy of your report. This is due to the fact that these three agencies, Experian, TransUnion ad Equifax, actually holds millions of credit card accounts from consumers all over the country who uses credit cards. In this case, all you have to do is to communicate with them and request your report, either in their website, phoning them, or even through mail. 
  • You can get a copy of your credit report for free
    Remember that you are able to get a free copy of your report from the three main credit agencies every time you become a victim of identity fraud. In this case, remember that it is in your report wherein you can actually monitor how the thieves have taken advantage of your credit card account. However, when you are not a victim of identity fraud, you can still get a free copy of your report. This is because of the fact that the three main credit agencies are required to give free annual reports to consumers. 
  • Visit AnnualCreditReport.com
    This is the only site that is recognized to give your free annual reports in behalf of the credit agencies. Therefore, do not forget to visit them.

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