If you suspect that you have a credit problem, you can check your credit by ordering a credit report from one or all of the three major credit-reporting agencies. It's smart to review your credit report once a year, just to know your credit standing and to check for any errors.
The major credit reporting agencies are:
Trans Union Corp.
The Fair and Accurate Credit Transaction Act (FACTA) was enacted to ensure that you have easy access to your credit report each year. To receive a free copy of your report from the three major credit bureaus call 877.322.8228 or order online at www.annualcreditreport.com. If you want to check your report more often, you may order a report for a small fee directly from the credit bureaus. Keep in mind that you may be eligible for additional free reports under other rules. Credit reports from a reporting agency also are free if you have recently been turned down for credit by that agency. In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days; (2) you're on welfare; or, (3) your report is inaccurate because of fraud.