The Three Credit Bureaus Your Credit Score Remove Credit Errors Derogatory Information Credit Counseling
What's in My Credit Report Establishing Credit Disputing Items Preventing Identity Theft Credit Repair
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Get an absolutely free credit report if you live in Colorado.......
Get an absolutely freecreditreport if you live in Georgia.........
Get an absolutely free creditcheck if you live in Maryland........
 

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Get an absolutely free credit report, by mail, if you've been denied credit in the last 60 days.
Get a freecreditcheck, by mail, if you are unemployed and plan to apply for a job or are on public assistance.
Unemployed
Get a free credit report, by mail, if you live in certain states.
Get a report, by mail, if you suspect fraud.

Learn About Credit at GetMyFreeCreditReport

There are three credit bureaus, each collecting credit information on you. Each has slightly different information.
From the information in your credit report a credit score is calculated. Credit Scores range from 400-850. A credit score of 700 and above is very good.
Credit Professionals recommend checking your credit at 1-2x per year.
The Credit Bureaus Credit Scores Removing Errors Negative Information Credit Counseling
What's in My Credit Report Establishing Credit Disputing Items Preventing Identity Theft Credit Repair
Why wait.. get an instant free credit report, free credit score and free credit analysis online now !



Get My Free Credit Report

  Get a report absolutely free by mail once a year if you live in certain states

Certain states have mandated that their residents can get a free report once a year, by mail. If you live in any one of the following states, call or write to the credit bureaus and ask for your free report; Colorado, Georgia, Maryland, Massachusetts, New Jersey, Vermont.

You will need to include your name, address, social security, birth date and if you have not been at the current address more than two years, include your previous address.

Bureau Information

Equifax - PO Box 740241, Atlanta, GA 30374

Experian - P.O. Box 9530 , Allen, TX 75013

TransUnion - 800-888-4213 (Should call first as they have different procedures for each situation)

 
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  Denied Credit

Get an absolutely free credit report by mail

if you were denied credit in the last 60 days. The credit bureau(s) must receive your request before the end of the 60 days. Find out from the creditor that denied credit which bureau(s) were used in making the determination. Write/call the bureaus and explain you were denied credit by "creditor name" and you would like to receive your free copy of your report. You will need to include your name, address, social security #, previous address, birthdate. Bureau Address/Phone Info

 
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  Unemployed

Get your report if you are unemployed and will be applying for a job in the next 60 days or are on public assistance. Write/call to the bureaus and explain your situation and that you would like to receive your free credit report. You will need to include your name, address, social security #, previous address, birthdate. Bureau Address/Phone Info

 
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Write/call to the bureaus and explain your situation and that you would like to receive your free credit report. You will need to include your name, address, social security #, previous address, birthdate. Bureau Address/Phone Info

If it is only suspected, they will put a fraud alert on your account, so that creditors are warned to verify your identity before opening credit accounts.

If it verified that there are fraudulent accounts open, which you in fact did not open, they will put a credit alert on your account, so that noone can pull your credit without your written permission. Also, once you get your creditcheck report, you will need to write to the companies and alert them to the fraudulent accounts. It will take time and patience to clear this up.

 
 

Tips to Improve Your Credit Score

Your credit score is what lenders look at when they extend credit. All bureaus have slightly different information on you therefore, they will all have different credit scores. Each bureau calls their credit score something different; FICO, Beacon, Experian Score, but they are all based on a model that was developed by Fair Isaac. To raise your credit score, pay bills on time, do not apply for credit too often, keep credit card balances low and do not let bills go to collection.

Get your credit score online today instantly!