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How do I get a copy of my credit report?

The three major credit reporting agencies are Experian, Trans Union, and Equifax. You are entitled to a free credit report from each of the three agencies every 12 months. You can get your free copies by contacting one central source online at www.annualcreditreport.com, by phone at 877-322-8228, or by mail. You can also obtain a free copy of your credit report from a credit reporting agency under certain other circumstances (e.g., if you have been turned down for credit). Alternatively, you can order a credit report (for a fee) at any time by contacting the agencies directly by phone, by mail, or through their websites. You will have to provide the credit reporting agency with certain identifying information (i.e., name, address, Social Security number, and date of birth) in order for it to locate your file and verify your identity.