3 Major Credit Bureaus – Which One Should I Contact?

There are 3 major credit bureaus that have news on your regarding your credit history. Whoever that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since trader usually report to only one of the 3 major credit bureaus, you might have to request a free report from all three to get an overall look at your credit report.

To claim a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to give all your personal information. There are sites that will collect you for a credit report from one of the 3 major credit bureaus, but it is needed for you to know that by law you had right to one free credit report a year. You need contact the credit bureau directly to get your free report.

When you do accept your credit report from the 3 major credit bureaus there are specific sections of this report that you need to pay in detail attention to. The first section details your name and address. You need to check this to make sure that it is correct. If there are any errors in this section, you need to contact the credit bureau that sent the report with the correct information.

The next section will provide details of your current bills. Each of the three major credit bureaus may have the same information or one of the three may have variant information regarding your credit history rely on which merchants report to that credit bureau. You need also note that you might have an good credit record with two of the 3 major credit bureaus and a poor rating with the other.

Mark the listing of your bills, the quantity of the payment and the due date. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. You also must to check to see who has been ask about your credit history to make sure that no ineligible person or company has been making inquiries without your permission. When you see that all is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any error in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.

There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.