Pulling Your Credit Reports and Scores
Today, you have access to your credit information all day and every day. This is wonderful news. Consumers now have the opportunity to quickly correct and maintain credit reports. Following are your options for pulling your credit reports and scores on your own. These options WILL NOT cause a hard inquiry on your credit.
OPTION 1: Free credit reports
By law, each of the nationwide consumer reporting companies, Equifax, Experian, and Trans Union, must provide a free copy of your credit report, at your request, once every 12 months. To read more about this, a good source is the Federal Trade Commission’s Consumer Alert that you can download at http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt156.pdf.
You can access this program in one of three ways:
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