There are three credit reporting agencies in the United States: Experian®, Equifax® and TransUnion®. A credit reporting agency gathers information from various providers and supplies credit data on individual consumers. Each credit reporting agency has its own formulas for calculating credit scores.
Companies that supply your credit information to consumer reporting agencies have to follow specific credit reporting rules, as listed under the federal Fair Credit Reporting Act. The act stipulates who can obtain a copy of your credit report and in what circumstances.
What is a credit report?
A credit report is sometimes called a credit file or credit history. Credit reports contain identifying information and a list of your financial obligations and how you have paid them. They are available to creditors, employers, others as permitted by law, and by you the consumer at any time.
How can I request my credit report?
By visiting annualcreditreport.com you can request one free report from each of the 3 national credit reporting companies every 12 months. Learn more about how you can get your annual credit report from Experian. You can also request your free credit report directly from Experian at any time.
Understanding Credit Reports
- Learn About Your Credit Report and Actions You can Take
- How the Credit Repair Organizations Act can Help You
- Qualifying for Discounted or Free Credit Reports
- How to Establishing Business Credit
- Improving Credit and What You Could Do If You Fall Behind on Your Payments
- A Summary of Your Rights under the Fair Credit Reporting Act