Good credit? Are you sure?
Credit reports are your most important asset when applying for a loan, housing, or even a job. Obtaining a free credit report is easier than you may think. Knowing the information your credit report contains is vital to accomplishing any of those goals. You should review your credit history at least once a year in order to correct mistakes, update information, and know what your score is. The best way to do this, of course, is by getting your free credit report.
Obtaining a credit report can be expensive if go through the normal channels, but it doesn’t have to be. Each of the three major reporting agencies allows you up to two free credit reports per calendar year — all you have to do is ask. You can contact any one of these agencies online or by phone. Not only do you get your credit report for free, but the call is free too! The toll-free numbers are: Equifax, 800-378-2732, Experian, 888-397-3742, and Trans Union, 800-888-4213. If you prefer, each credit reporting agency also accepts written requests for credit reports via regular mail.
You should request a report from each of the three credit reporting agencies....