How To Get All Three Credit Reports?

As of this writing, the three major credit bureaus that provide credit reports to the public are Equifax, Experian, and TransUnion.

A credit report is a record of your personal credit history and involves the records of your payments, debts, and other details of credit accounts you have paid. It helps in determining your credit score, which is used by the financier to assess your credibility when you request credit facilities like loans or credit cards.

In this section, there are three main national consumer credit reporting agencies (CRAs) that each compile credit reports on consumers in the United States, namely Equifax, Experian, and TransUnion. Even though these three reports are full of the same information, there can be some differences between them, which is why it is necessary to check all three to get the notion of your credit status. You can check for fraud, mistakes, or any alteration by getting free annual credit reports from each CRA.

Please find below a checklist on how to get your three credit reports

AnnualCreditReport.com

Getting the three credit reports you are concerned about is most conveniently done in this manner. Facilitating individuals to get one free credit report from the three credit agencies within one year, FACTA (Fair and Accurate Credit Transactions Act) helped create this central service.

Your reports from AnnualCreditReport.com will be obtained by completing a form with your name, date of birth, Social Security number, and address. This is used in permission to let you access your reports and authenticate your identity. The phases are:

1. Go to www.annualcreditreport.com. This is the only site that has been endorsed by the Federal government to provide the free credit reports that consumers are eligible for every year.
2. To get your free credit reports, it’s necessary to click on the button. This will lead you to another page whereby you indicate whether you need one report, two reports, or all three.
3. The form that needs to be completed and submitted for each report includes the name and address, Social Security number, and date of birth. That CRA has to be located using this information to get your credit report.
4. Select if you prefer to receive the credit report through e-mail or via post. Electronic delivery gives a chance to get access as soon as possible.

That's it! Some of the options you should have selected in your request include electronic delivery and you should be able to access your report shortly on the AnnualCreditReport.com website. If you choose mail delivery, the reports will be delivered to your mailbox and it can take up to two weeks to get there.

You may also call for reports at 877-322-8228 or even mail in a completed request form if you prefer; however, online is usually the quickest.

However, to clarify, you can get each CRA report from AnnualCreditReport.com only once in twelve months. If for some reason you would like to check again more frequently, then you will have to request the new reports from the credit reporting agencies.

Straight From the Horse’s Mouth: An Examination of the Credit Reporting Agencies

However, if you want to obtain credit reports and credit scores from the three major CRAs, namely Equifax, Experian, and TransUnion, you can get them from AnnualCreditReportcom, as well as from the respective CRA. These allow the client to access the reports more often, say once every few months.

To order your credit reports individually, you will go to each of the CRAs’ websites and you will probably have to sign up. Information can be gathered in the form of reports, and most of these can be downloaded online after a fee of less than $20 has been paid. Here are quick steps for getting reports from each provider:

Equifax

1. Go to WWW.Equifax.com/personal/credit-report-services to get there, and click on the link that states purchase your credit report.
2. Visit the webpage where your Equifax report can be purchased by clicking on the state you reside in and following the instructions given. You can select from various packages where one can get credit scores or other services as we saw in the following options.
3. At the time of payment or order confirmation, you need to create an account with us if you haven’t or enter your credentials, and then you can pay for the order.
4. Your Equifax report should then be immediately searchable and printable after the completion of payment.

Experian

1. Go to www.Experian.com/consumer-products/compare-credit-report-and-score-products.HTMLl and compare the different credit reports and score products.
2. On the credit reports page choose the individual credit report option and click on the Apply Now button.
3. Enter personal data, accept the terms, input your method of payment, and complete the order.
4. Navigate to the Experian site and log into your account with the details you used when creating a new account to access the credit report that you purchased.

TransUnion

1. Go to the company’s official website; www.TransUnion.com and select Purchase your Credit Report.
2. Select the state in which you live. When you choose a particular state, you will be able to view the TransUnion credit report and score services offered.
3. Choose the type of credit report that you wish to buy from TransUnion. The user has to submit his/her identification details to match with the corresponding user’s information.
4. To finish the purchase of your report please enter payment details. You can follow the link and sign in to your account to get the TransUnion credit report.

Protecting Your Reports

Finally, after you have received all three of your credit reports, you must read them through and check for any inaccuracies, fraud, or complications. If you notice any such error, it is advised to go through the dispute procedure of that particular CRA immediately and provide all the necessary proof to rectify that.

You’ll also need to make sure your credit is safeguarded as best you can – for instance, put a free 90-day fraud alert in case of suspected identity theft or if you feel vulnerable after the breach. Monitoring your credit translates to using at least three CRAs to get copies of your reports more than once annually, as provided above. The regular check on your credit score also allows you to know the status of your credit continuously.

Ready to boost your credit score? Call +1 888-804-0104 now for the best credit repair services near you! Our expert team is here to help you achieve financial freedom and improve your credit. Don't wait—get started today!