How can I get a copy of my credit report?

With so much heard about credit reports and scores it is important to check your credit report regularly.

There are three major organizations that report on your credit, Experian, Trans Union, and Equifax. Each, upon your request, is required to provide you a copy of your report at no cost each year.

You can go to www.annualcreditreport.com to request your free report. The site will take you through the process of getting the reports by mail or over the internet.

Be sure to get all three reports as they are not always consistent. Also, you can dispute inaccurate information on-line or through the mail. Typically disputing an incorrect item is simple. Be careful of anyone that promises to remove information from your credit report for a fee.

Finally, if you want your credit score you will be charged a fee.