You can’t fix what you can’t see, so you will need to request a copy of your credit reports from either the official website for free annual credit reports, or you can request your credit reports directly from the Top Three (3) Major Credit Reporting Agencies (CRAs):
AnnualCreditReport.com
The official site for you to get your free annual credit reports from all of the three Major CRAs. This right is guaranteed by Federal law.
Equifax – Experian
TransUnion
Each of the three Major CRAs in the USA are privately owned, and they collect data and sell data of individual consumers (that’s YOU) to creditors and prospective lenders which relate to your borrowing and spending habits.
Each individual credit report may be slightly different from another credit report as each CRA may collect credit information from different creditors, which is why it is important to request a copy of your credit report from the Top Three Major Credit Reporting Agencies.
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