Everyone is entitled to a free credit report annually from each of big credit bureaus. It is recommended that you check each report thoroughly as there is often different information on each credit report. This occurs because each credit bureau keeps your personal information private. Unfortunately it also opens the door for inaccurate information.

The main credit agencies are: TransUinon, Experian and Equifax. They are all mandated to send you a complimentary copy of your credit report every year upon your request.

Once you receive your credit reports make sure you read them carefully and look for any old or incorrect data. If you find anything you should get a hold of the credit bureau in question to sort out the error.

Please note that you have to personally request your free reports in one of three ways: 1) call 1-877-322-8228 2) go online to annual credit report .com (this a government regulated portal which enables you to retrieve your credit reports online) 3) request a Annual Credit Report Request brochure by contacting the FTC (federal trade commission), fill out the back and mail it.

Each report will have your personal information, such as: Your address, employer, date of birth etc. It will also contain a detailed summery of all your accounts and credit products including: payment history and outstanding balances and any collections or late payments.

There is common misconception that when you receive your report you will also get your credit score or FICO rating. This is not the case. Your FICO score is based on the information on each report but is not attached.

You will want to access your free credit reports via a centralized agency. Its up to your whether or not you order all three credit reports all at once or you may order them over the course of the year.

If you have questions regarding credit reports visit the credit consumer report site for more information.

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