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 To Your Credit

How to Get a Copy of Your Credit Report

You can get a copy of your credit report by contacting any or all of the three major credit reporting agencies. You might want to get copies of your report from each agency. Each agency might have slightly different information since lenders might not report to all three agencies.

Depending on the company, you can request your credit report over the phone, in writing, or through the Internet. Be sure to call the credit reporting agencies or look up information on the Internet to verify specific requirements needed to get your credit report.

If you plan to request your credit report through the mail, call the credit reporting agency's toll free number in case their address has changed.

You should also check whether or not you will have to pay a fee to get your credit report. In most states, the charge is generally $10 or less. However, in some states, there is no charge. And, there are other situations in which you can obtain a credit report for free.

In order to get a copy of your credit report, you generally need to provide your:

  Full name, including Jr., Sr., or II

  Social Security Number

  Current and previous addresses within the last five years

  Birth date

  Signature

  Telephone number

Credit information is maintained on an individual basis. Spouses must request their own credit report. Your spouse's information might be different if you or your spouse opened accounts individually. If both spouses are co-borrowers, the loan information should be shown on both credit reports.