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Things to Remember when Getting Your Credit Report

By Ruth Racey
Published: Tuesday, December 22nd, 2009

Thinking of getting your credit report? Whenever you have credit cards, and use them extensively for all of your purchases, you must better think so. This is because of the fact that looking at your report actually is one of the most important things to do, especially when you want to monitor and improve your credit rating, as well as the way you manage our finances. In this case, when you are regularly getting your credit report, surely, you can be able to know more the condition of your credit account, on how have you managed your expenses, and what are your prospects of getting future loans and mortgages from lenders. Here then are the important things that you must remember when getting your credit report: 

  • The three main credit agencies are the ones who gives you a personal copy of your report
    The three largest credit agencies in the country, TransUnion, Equifax, and Experian, are the ones who have the capability of giving you your report. This is because of the fact that these thee credit agencies actually stores all the necessary information, data, and records that is required for you to have your report. In fact, the three credit agencies actually storesin millions of records of millions of consumers who uses credit cards across the country. 
  • There are three main ways on how you can get your credit report
    The first way for you to get your credit report is by logging on to the websites of each of the three credit agencies. Take note that all of these three have their own websites, so you won’t have any trouble in getting your report online. In this case they would require you to fill up a form, and you can now have your report processed. The second way for you to get your report from these agencies is by phoning them. In this case, you will be required to give out the necessary information, and you can have your report. The third way is by mailing them. Here are the mailing addresses of the three credit agencies: TransUnion
    P.O. Box 390
    Springfield, PA 19064-0390
    800-916-8800
    www.transunion.com

    Experian
    P.O. Box 2104
    Allen, TX 75013-2104
    888-397-3742
    www.experian.com

    Equifax
    P.O. Box 105783
    Atlanta, GA 30348
    800-685-1111
    www.equifax.com

  • It is best for you to get your credit report from all three credit agencies
    Remember that different lenders actually get information from different credit agencies. In this case, when you want to be sure in monitoring your credit account, it is best for you to get your copy from all three credit agencies.

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