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Immediate access to your credit report online!

 

(You are on our U.S. page.) Canadian residents click here Credit Reports for Canada Residents  for Canada Credit Reports. UK residents click here for Credit Reports for UK Residents for British Credit Reports.

First timer? Check your credit report free!See your credit report for free

About the new law: It may be as late as September of 2005 before the FACTA free credit report law is implemented nationwide. The new law says credit bureaus can delay delivery of free credit reports by up to 15 days, and they'll have 15 additional days to make corrections. That could mean 30 days more to get the corrections you need! Why risk it? Get your free credit report (or all three credit reports) here. No waiting!

 

All three of your credit reports + free score

The fastest and best way to verify all your credit information!

Why get a credit Report that includes all 3 bureaus? Experian, Equifax, and TransUnion are separate companies that provide credit reports nationwide, based on information they've collected about you. Many lenders, landlords, and employers use just one of the credit bureaus, but you don't know which one they'll use. Others, such as mortgage companies and auto dealers often use all three bureaus. That's why a 3-bureau credit report is the safe way to be sure about your complete credit history, and find discrepancies, if they exist.

 

We realize the personal, sensitive nature of information contained in credit reports and have built secure systems to ensure your credit report's safe delivery.

Toll Free Customer Service for Online Credit Reports
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If you find errors in your credit report, here is a form to dispute credit report inaccuracies.

(Use the free Acrobat Reader 5.0 if you cannot view the dispute form.)  

Why get a credit score? A credit score takes all the good and all the bad on your credit report and expresses it as a number. Lenders use your credit score to make a decision more quickly - about whether to lend to you, what to require  for a down payment, and what interest rate you'll be charged. We tell you, in detail, the strong and weak points of your credit so you can improve your credit score.

 

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What is a credit bureau?

A credit bureau is a company that gathers information about loans and other debts, and whether you've paid them back as agreed.

Who can see credit information?

Credit bureaus have subscribers who pay to see your credit report. A subscriber must have a permissible purpose, such as deciding  whether or not to grant you a loan.

Who else can see my credit report?

Employers, landlords, people  collecting debts, and companies intending to offer you credit are also credit bureau subscribers, and they can see it under certain conditions.  By law, you have a right to see your own credit report, too.

Can I tell who's checking on me?

Yes. Your credit report tells who has seen it recently.  If you applied for a loan, you'll probably see that the lender made an inquiry, and the date.  If you applied for a job, the employer may have checked your credit. (But only you can tell. It is hidden from other employers and lenders.)

Where does the credit bureau get my information?

The data comes from their subscribers, mostly. For example, credit card companies provide monthly updates to the bureaus, with the latest balances, address changes, credit limit changes, etc., of their cardholders. Credit bureaus also gather public records: court judgments, liens, foreclosures, evictions, etc.

Who are the credit bureaus.

In the U.S. we have Equifax, Experian (formerly TRW) and Trans Union: three separate companies that gather your information separately, so differences in their credit reports often exist. Many local bureaus exist, but they are affiliated with one or the other of the "big three," in most cases. 

What if my credit report has inaccuracies?

You can get them corrected.  The first step is to see your credit report.  Here's how to contact Experian, how to contact Equifax, and how to contact TransUnion if you find a credit report error.