So, you're ready to begin straightening out your credit. The first step is to obtain your credit reports from all three major bureaus. Equifax, Transunion, and Experian. The good news is that all three have coloberated to create one central location where you can get a free copy of your credit file, AnnualCreditReport.com
Keep in my that you can only request one free file from each bureau once every twelve months. Also know that that free request only includes the credit file and NOT the credit score. Didn't think it would be that easy did you !?
There are other situations that can occur that will allow you to get a copy of your credit file for free also.
-A consumer credit report was used as the basis for turning you down for a loan, insurance policy, or job, and you request a free consumer credit report within 60 days of being notified of the denial by the creditor, insurance company or potential employer or other source that turned you down. The source that turned you down must tell you why you were denied. You should include that information in your request to the consumer credit reporting agency when you ask for a free report.
-You are unemployed and will apply for unemployment within 60 days from the date you certify your unemployment with the consumer credit reporting agency from which you seek the report;
-You receive public assistance; or
-If you believe your file contains inaccurate information because of fraudulent activity, you can file a fraud alert.