::Credit Score - Free Credit Report


	You can now get a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months, thanks to a 2004 amendment to the Fair Credit Reporting Act.

Your credit report contains information on:

where you live, whether you own your home, and how often you've moved
how you pay your bills
how much credit you have
what types of credit you have
whether you’ve been sued, arrested, or filed for bankruptcy

Many businesses report this information to the credit bureaus on a monthly basis, and the credit bureaus sell the information to:

lenders
credit card companies
insurance companies
employers
landlords
other businesses

These businesses use this information to determine whether they want to:

lend you money
extend you credit
issue an insurance policy to you
rent you a house or apartment
hire you as an employee

The information in your credit report also determines the interest rate you'll receive on loans and credit cards and the premiums you'll pay on various types of insurance.
You should obtain your credit report from each of the nationwide credit bureaus because your creditors may not report to all three, so the information in each of your reports may vary. There are three nationwide credit bureaus:

Equifax
800-685-1111
Experian
888-397-3742
Trans Union
800-916-8800

How Do I Order My Free Credit Report?
To order your free Experian credit report, click here!