Free Copy Of My Credit Report - How To Get It

Are you worried about your credit report? Do you worry that if you apply for anything that has to do with credit you will have a struggle to be approved? There are many ways to get a free copy of my credit report, and here are your options.

First, you can get your credit report for free online. You need to do a search on one of the many search engines to find the sites that you can deal with. You will want to get what is called a 3-1 report because it will be pulled from all three bureaus and will have all the possible credit information that you could imagine for you.

Your second option is that you go ahead and write or call the credit agenies. You have experian, equifax, and trans union to deal with. Once a year you are entitled to a copy of your credit report for free. If you are no longer entitled to your free report, then you will have to pay a small fee to have it mailed to you, but it is worth it.

Your last option is to apply for a loan, credit card, or anything else that requires financing. When you do this and you are declined they have to give you a letter explaining this and they have to do it within 30 days. Once you receive the letter you can write the credit agency they used with the letter to get your free copy of your credit report.