» Get Your Online Credit Report

Get Your Online Credit Report

January 26th, 2009, Written By: admin

In order to get your online credit report, there are some critical things you want to know before downloading your file. For one, there are many options to choose from and you want to be sure you receive the most accurate report possible.

There are, in fact, three credit reports that are associated with every American citizen. All three will have slightly different information on them. By law, your creditors and lenders only need to provide accurate information, but they do not necessarily have to provide any information at all. They can also select who they provide that information to.

For example, the 3 credit report agencies are Equifax, Trans Union, and Experian. Let’s say you have a Visa credit card and a car loan. One month you accidentally forget to pay your Visa bill and for the past 3 months you have not been able to make a car payment. Your credit card company may report the late payment to all three agencies. Your car lender, however, may only report the information to Experian and Equifax, but not Trans Union.

The same holds true for good credit behavior. It is possible that you have a credit card that you have been paying on time for several years, yet none of that information shows up on your credit reports. That is why it is critical to not review all three credit reports thoroughly and make sure all good information is provided on those reports. If it is not, call your lenders and ask them to submit that information.

When you get your online credit report, be sure that it includes your Experian, Equifax and Trans Union reports. This is especially true if you have not reviewed these files within the past 6 months or more.