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You can order one, two, or all three reports at the same time, or you can request these reports at various times throughout the year.The option you choose will depend on the goal of your review.
A: Credit bureaus may sell the names and addresses of consumers who meet specific credit criteria to creditors or insurers, who must then offer them credit or insurance.
For example, a creditor could request from a credit bureau the names and addresses of consumers who have a credit score of 680 or higher and then offer credit to those consumers.
This free report is in addition to your annual free report.
In addition, lenders may use a credit report to set the terms of credit they offer you.
For example: A: There are three major credit bureaus–Equifax, Experian, and Trans Union–that gather and maintain the information about you that is included in your credit report.
The credit bureaus then provide this information in the form of a credit report to companies or persons that request it, such as lenders from whom you are seeking credit.However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.A: Because credit reports contain sensitive personal information, access to them is limited.Each credit bureau gets its information from different sources, so the information in one credit bureau’s report may not be the same as the information in another credit bureau’s report.A: You can get one free credit report every twelve months from each of the nationwide credit bureaus–Equifax, Experian, and Trans Union–by You will need to provide certain information to access your report, such as your name, address, Social Security number, and date of birth.Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.Information about criminal convictions may stay on your credit report indefinitely.Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more.So it’s especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus.If a lender offers you terms less favorable (for example, a higher rate) than the terms offered to consumers with better credit histories based on the information in your credit report, the lender may give you a notice with information about the credit bureau that provided the credit report used to make the decision.Again, you can get a free credit report (in addition to your annual free report) from this credit bureau if you request it within sixty days after receiving the notice.