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Credit Report Access

How to Get My Credit Reports from Credit Rating Companies

Your credit information or credit reports include a list of your loan repayment history and credit taken over a period. Credit bureaus and credit rating companies compile your credit information, your identifying information, public record information and recent inquiry information into a detailed report called credit report. Based on its credit report, the credit reporting companies evaluates your probability as a borrower to default from a loan repayment. The credit bureau then issues a credit rating reflecting its evaluation of your credit report. This report is the document that helps the lenders to evaluate your credit worthiness and influences their decision to offer you credit products.

The Function of Credit Bureaus

The credit bureaus provide your credit information to the creditors, employers, insurers, government or any party legally entitled to receive your credit report. These credit agencies operate independently of each other and they have their independent procedures to assign a credit rating in your credit report. Equifax, Experian and Transunion are the three key credit bureaus in the US.

Why do you need your Credit Report?

You must obtain a copy of your credit report from the company issuing credit rating in order to assess your credit position and to verify if there is any misinformation in the report. Human errors may be common in a credit report. In case you come across any error, contact immediately the credit bureau issuing that particular report. The agency may take forty-five days to process the correction. The agency can also forward the corrected credit report to the parties referred by you.

Ways to Get a Copy of Your Credit Report

A company offering credit rating generally charges a small fee for a credit report. You may write, call or request online to order a copy of your credit report from a credit rating agency. It is better to get a copy of your credit report from all the three key credit rating agencies. You will need to provide your personal details such as, name, date of birth, current and past addresses, telephone number and social security number. A copy of your driver's license, utility bills or bank statements may be used as your identification proof. If married, please provide your spouse's information as well.

If you have been denied credit, employment or insurance due to a credit report then you may apply with the credit reporting company for a free copy of your report within sixty days of the denial. When a denied a credit, you may hire a credit repair company also, however, caution and legality of the credit repair are the key determiners.

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