Are you trying to pay off your debts? Do you
think someone might be tampering with your identity? Does your credit
score need some improvement? If you answered yes to any of these
questions, you should seriously think about obtaining and checking your
credit report.
Did you know that you can get your Experian
credit score for free? The same goes for the other two credit
reporting
agencies. Under the Fair Credit Reporting Act (FCRA), you are eligible
to receive a free credit report once every 12 months. The best place to
tap into this privilege is to visit annualcreditreport.com.
If you are toying with the idea of acquiring
more debt, such as purchasing a new car or home, you should find out
what type of credit score you have. If you know your credit score, you
will have a better understanding why you didn’t qualify for a
particular loan, if you need to improve your credit, or if you relax
and enjoy your new home.
You, as an individual, can get your Experian
credit score for free by calling 888-391-3742, or visit their website.
If want your credit score from Equifax, call
800-997-2493, or visit their website. And from the last
agency, TransUnion, call 800-888-4213, or visit their website. For
quicker results you can click here - Get Your Free
Credit Report and Score! 
However, these three agencies have set up a
central website and number to call for your convenience. It is often
easier to get quicker results if you go through the central website at
annualcreditreport.com, or call 1-888-322-8228.
You are entitled to one free report annually
from each agency. They can all be ordered at the same time if you are
comparing information on them. If you want to pull your credit report
more often than once a year, there will be a fee.
Besides maintaining
your credit report, these companies also offer other services. Getting
your free annual credit report generates other business to the
different services that are offered.
Make sure you take caution when using other
companies other than these three agencies. These are the only companies
that are regulated by the Federal Trade Commission. There are
fraudulent people out there trying to get your personal information, so
just be careful.
It is also a good idea to keep your
inquiries to a minimum, especially within a short period of time. Your
annual inquiry will not adversely affect your score. So go ahead and
get your Experian credit score for free, or from one of the other
participating agencies.