Credit reports from each credit reporting agency can be obtained for free annually by ordering directly from each agency, or the quickest most effective way to receive your free annual credit report from Equifax, Experian, and TransUnion is to visit http://www.annualcreditreport.com
You will be able to verify your personal information and receive your credit report from Equifax, Experian, and TransUnion instantly online.
You are also eligible to receive a free credit report if you have been declined credit within the last 60 days. The creditor that denies you credit is required to mail you a letter of explanation. This letter will tell you the four main reasons you were declined, and also which credit reporting agency they used to make their decision. Once you have this information you can request a free copy of your credit report from that credit reporting agency. www.annualcreditreport.com is the only truly free and most reliable free credit report offered without having to incur future fees by subscription based credit report monitoring services.
