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Where and how to get your credit report

By Ruth Racey
Published: Thursday, December 10th, 2009

Building and protecting a good credit score is very important. Surely, there will come a time when you will need a substantial amount of loan for sending children to college, building a house or establishing a business. A good score will be very helpful when that time comes. Where and how to get a report, from which your overall credit score is based, is the subject of this article.

Unless you get a really high paying job, you will mostly likely require the services of banks, lending institutions and mortgage companies to finance investments like the ones mentioned above. These institutions, however, do not lend substantial amounts of money to just anybody. You have to have a sound credit score in order for your loans to be approved. A credit score of more than 700 will probably get your application approved at interest rates that will not be burdensome and with extended repayment option.

Getting a credit report from any or all three reporting agencies will be a good start in monitoring your financial transactions. The agencies, Equifax, Experian, and TransUnion, offer free annual reports to anybody interested in knowing their credit history. You can get your credit reports from all three through the telephone, mail or internet. If you choose the latter, you can simply visit ffeor any of the websites where the reports are also available. However, some of these websites will charge a small fee for their services so you need to look into that. offers all reports from the three bureaus for free. Moreover, the website can provide you reports not only annually, but quarterly as well. It is an excellent way of monitoring your credit status. Snail mail is another way, but you have to fill – out a form which you can get from

Some of the websites advertising credit report retrieval are not very reliable. You should be wary when using them because you are divulging sensitive information about yourself and it could be disastrous for you if it ends up in the wrong hands. Be sure to check their credentials first. Now that you know where and how to get your credit report, monitoring and maintaining a sound credit score should be easy.

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