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How to get a copy of your credit report
By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies, also called bureaus, are: Equifax Experian TransUnion AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. You may request your reports in three main ways: What information is on your credit report
Credit reports show your personal financial information, including: Bill payment history Loans Current debt Bankruptcy history Lawsuit records In most cases, your credit report will not include your credit score. Find out how to get your credit score. Who uses credit reports and why
Credit bureaus can sell the information on your credit report to: Lenders Potential employers Insurance companies Rental property owners These businesses may use the information on your credit report to decide if you qualify for: Credit Loans Rental property leases Employment Insurance Find out how to report identity theft at the three credit bureaus if your information gets stolen. What to do if your request for a copy of your credit report is denied
If a credit reporting agency denied your request for a credit report, contact them first to resolve the issue. If you cannot get your complaint resolved, contact the Consumer Financial Protection Bureau (CFPB). (责任编辑：) |