Obtaining Your Credit Reports

(The Following content is taken from Chapter 3 of The Free Credit Repair Kit )

            There are three ways that you can obtain a credit report.  You can send for it by mail, you can telephone for it, or you can order it online.  You’re entitled to one free credit report each year from all three bureaus.  In order to get this type of free reports, you need to use the centralized source on the internet. 

            You’re also entitled to a free report if you’ve been denied credit based on information in the report.  When you’re denied credit, the creditor will provide you with the name of the credit bureau or bureaus that they used and the contact information for obtaining a free report.

            If you pay for your report, you can plan to pay around $10 for each one.  Check with the specific company to determine how much they charge.  You may also go through a company that allows you to get all three credit reports at a lower cost than the individual reports.

            The following are the contact numbers and addresses for the three major credit bureaus.  If you want to order your report by mail you can either fill out the appropriate form on the credit report website or you can send a letter.  In the appendix you’ll find a sample request letter.

            While you can request your credit report in a number of ways, many people prefer to use the online method.  When you order your credit report on the Internet, you’ll be able to view it and print it out immediately.  When requesting a report by mail or phone it may take up to 15 days to receive your report.