Credit Report

What is credit report and how to get your free credit report annually?

What is a credit report?
Your credit report is a report create by nationwide consumer reporting companies like Equifax, Experian, and TransUnion, which contains your personal and financial information gathered from many different sources like credit cards and loan companies on an ongoing basis. Your credit report includes all information about you like where you live, are you paying your bills on time, and whether you have been sued or arrested or have you ever (in last 10 years) filed for bankruptcy.

What exactly is included in my credit report?

Name
Date of Birth
Social Security Number
Address (also previous address, if you had any)
Employment Details
Credit Accounts
Credit History
Tax Liens, Bankruptcies, Civil judgments, and similar public records
Any Inquiries

You credit report consists of following ten sections listed below:

Credit Report Header
Score Models
Public Records
Open Accounts
Closed Accounts
Derogatory Accounts
Inquiries
Hawk Alert
Creditors
Source of Information

How do I get my copy of free credit report?
All three nationwide consumer reporting companies, Equifax, Experian, and TransUnion has their websites and toll free numbers. You can send the request online or can call them up. You can also mail your request for free credit report on their mailing address. To order your free credti report cpy, visit http://www.annualcreditreport.com , or call at 8773228228. You can also complete the annual credit report Request Form and mail it to:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281