Getting copies of your credit reports is easy.
You can request a copy from each
of the three major national credit bureaus:Equifax,
Experian and TransUnion. Checking your credit
can cost you as much as $9 per report, although it
differs from state
to state.
If you
applied for a loan and were turned down, you are entitled to
a free copy of your credit report, but you must request a copy
by writing the correct credit bureau within 30 days of the rejection.
With your request, you should include a copy of the declined
loan application.
You can
also get a free report if you are unemployed, planning to apply
for jobs in the next 60 days, receiving public welfare assistance
or believe the credit file contains mistakes resulting from
fraud.
To obtain a
copy of your credit report, call the
number of the proper credit bureau and follow their directions, or order it online.