Should I Get A Free Credit Report or Buy One?
Two Ways You Get A Free Credit Report
1- If you were recently denied credit you can order a free credit report. Find out more about the free report You will need the confirmation
number and credit reporting agency telephone number to request it.
2- Congress has enacted the free annual credit report. In each case, you are
allowed once per year to get a free report. If you were denied and order the free credit history you will be able to see what was reported on
your report for denial. Your letter of denial will disclose the reason for the outcome. You can then request to investigate the denial if you
feel the information is inaccurate.
To find out more about fixing your credit history Lexington Law Firm is an excellent resource.  Click Here.
The 3-in-1 Report is Recommended
When you need to get your score this report is the best. For a full complete personal credit report you can order the 3-in-1.
This report is convenient as it merges all three reports and scores. It makes it easier to read these report.
Request Individual Reports
However you can order individually from the three major credit reporting agencies Equifax, Experian, and Trans Union. These are
the companies that most of your
creditors and lending companies use.
It is important to not only get the credit history but also to get your scores from each company.
Ordering online is the fastest way to get a copy of each of the three reports. You can also call them by telephone and order but
it will be mailed to you by snail mail!
Here's the contact information for the three Credit Reporting Agencies
Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.Equifax.com 
Fax: 1-888-729-0083
or 1-866-233-3777
Trans Union
P.O Box 2000
Chester, PA 19022-2000
1-800-888-4213
1800-916-8800
http://www.transunion.com
Fax:714-447-6032
or 714-830-2449
Note: Trans Union allows you to dispute online without a file number as of June 2004. Simply go to their site and click on
"dispute". Start the dispute process and just leave "file number" blank.
Experian
P.O. Box 2104
Allen, TX 75013-2104
1-800-682-7654
1 800 493 1058
1-888 EXPERIAN
http://www.experian.com
fax: 714 830 2444 Note: If you have been denied credit within 60 days, Get your FREE credit score and more  and dispute inaccurate items right then and there!
Be sure to confirm any fax numbers before sending your disputes as they may change over time.
Curt de la Cruz is a free lance writer and a professional loan consultant. Get
the best ideas, tips and resources for improving your credit.
Done with Free Annual Credit Report? Click to go to Improve
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