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FACT: there are three major credit reporting agencies that may have information on you.
Those agencies are Equifax, Experian and Trans Union. And it's quite common that certain of your creditors may appear on one agency's report but not on the others.

When you apply for a loan most creditors will get a report from each of the three agencies.

A "single agency" report from Equifax may be OK for your needs. But you may need a "3 agency" report. Please read on.

It's a good practice to obtain your credit report before you apply for a loan or credit card. That way you can review it at your leisure for any mistakes and inaccuracies-- and fix them. People are often surprised to find that there are detrimental errors in their reports.

Our articles section has instructions on how you can dispute and repair your credit report. It's easier than you might think.

With your credit report in hand you can also be aware of your credit rating for each of your various accounts before you apply for more credit.



Here are some FAQs (Frequently Asked Questions) on credit reports. Click on the text to go to the answer.

When and why should I review my credit report?
Your credit report should be reviewed every year. You should check for accurate information on the report along with any inaccuracies that may appear and have them taken care of right away. If applying for a mortgage, car loan, or any other major loan, you should request a copy of your report at least six months ahead of time. By doing this you have time to dispute if necessary.

What is a 3-agency credit report?
The information you see on your report is obtained from the top 3 credit reporting companies; Experian, Trans Union, and Equifax. Obtaining a 3-agency report is an excellent choice because it allows the individual to see what is on all three. For example: there may be certain creditors listed on one report that does not show up on another.

What is a credit report?
A consumer credit report is a factual record that contains an individual's credit history. Credit grantors are permitted by law to look over your credit report to determine whether or not you are suitable to be granted credit. Most of your information that is on your credit report comes from the companies you do business with. If the information on your credit report is inaccurate, you have the right to dispute it.

Who can look at my credit report?
Federal Laws regulate how credit reports can be used. Individuals have the right to request their own reports. Businesses need to meet certain requirements such as a background proof under permissible purpose under federal law, on - site inspection of the business, a business license, and a signed contract requiring the business to use the information obtained accordingly.

What information is on a credit report?
Information included on your credit report contains such items as your name, social security number, age, and employment history. It also indicates anyone requesting information with or without your knowledge. On your credit report you will find a list of creditors from either retail stores, mortgage companies, and other creditors. Credit reports show detail status of each account as reported by credit grantors. The information provided states if your account(s) are current or delinquent, and if there have been any repossessions, judgments, or bankruptcies. Credit reports also indicate warning signs of financial trouble such as high debts, applications for too many credit cards or loans, and late payments.

What will happen to the information I have entered?
The information that you have entered on our system is used to verify your identity. This information stays on the provider's secured database for request verification. They do not resell your information to any other individuals, organizations or businesses. For more information, review the provider's privacy statement.

How long does it take before I receive my credit report?
After you have completed all the required information for requesting your 3-agency credit report, depending upon your shipping option, you can receive your report as soon as the next business day.

I do not have a credit card, can I still order a credit report?
Yes, the provider is able to accept Checks online.

What type of payment is accepted?
Presently, the provider accepts orders by using a credit card or check. The following credit cards are accepted: MasterCard, American Express, Discover and Visa.

What is the provider's refund policy?
Requests are processed instantly and the provider is immediately charged by their credit report vendor for obtaining the credit reporting agencies information. Unfortunately there is no refund. However, if you receive a report that you cannot read, they will resend one to you free within 30 days.

Will requesting my own credit report negatively impact my credit?
When you request your own credit report it will not negatively impact your credit. The inquiry is not shown to potential creditors, it will only be shown to you as a "Consumer Disclosure" inquiry.

What if something appears to be inaccurate on my credit report?
If after reviewing your credit report you believe that something is inaccurate, you can respond by reviewing the provider's credit report dispute form. Please click here to view a printable copy of this form.

What are my rights?
Before or after reviewing your credit report you may want to find out what rights you have. Please click here to view your rights under the FCRA.

Content of this FAQs is copyright of CreditReport411.com and may not be re-duplicated without permission


Here's more info on credit reports. Read "5 Reasons to Check Your Credit Report Regularly."