Obtain a copy of your Credit Report

It is a good idea to check your credit report before you make any major purchase. You can get a free copy of your report from each of the three nationwide reporting agencies every 12 months. To order, visit www.annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

If you are denied credit or you experience another adverse action based on information in your credit report, you may be able to get additional copies of your report for free. Usually, you will get your credit score as part of a credit score disclosure notice after you apply for financing.

If you want a copy of your credit report, but have already received your free copy, you can buy your report for a small fee. Contact any of the three nationwide credit reporting agencies:

• Equifax Credit Information Services: 1-800-685-1111
• Experian: 1-888-397-3742;
• TransUnion Corporation: 1-800-916-8800

For more information about credit reports, see:

• Free Credit Reports
• Disputing Errors on Credit Reports
• How Credit Scores Affect the Price of Credit and Insurance