There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit score is as easy as calling and requesting one or you may request a free credit report online that you may review immediately.

Once you receive your credit report, it's important to verify its accuracy. Double check the "high credit limit," ‘total loan," and 'past due" columns. It's a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a credit report to your lender.

Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information or get a three bureau credit report online here. If you do find errors which are affecting your credit scores, you can try the services of a law firm specialized in Credit Repair

How can I obtain information about my credit score?

You may contact the three major consumer credit reporting agencies at:

800 685-1111
http://www.equifax.com
P.O. Box 740241
Atlanta, Ga.
30374-0241

888 322 5583
http://www.experian.com
P.O. Box 2002
Allen, Texas 75013

800 888-4213
http://www.transunion.com
P.O. Box 1000
Chester, Pa. 19022

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