You will never know what is on your credit report unless you check it or get denied for a credit line. Order a copy of your credit report and review it to make sure that all of your personal information and account history information is complete and correct. In accordance with the Fair Credit Reporting Act, if you are turned down for credit, you may obtain a free credit report, provided you request it within 60 days. If you have not been turned down and desire a credit report, it will cost approximately $8. Credit reporting agencies are required to provide trained employees to help consumers interpret information that is found on their report. You can obtain a copy of your credit report by contacting the following credit reporting bureaus:

To Learn More About Disputing Inaccurate Information
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Experian:(800) 682-7654 credit scoring model: FICO www.experian.com

Equifax:(800) 685-1111 credit scoring model: Beacon www.equifax.com

Trans Union:(800) 851-2674 credit scoring model: Empirica www.transunion.com

To Learn More About The Fair Credit Reporting Act
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