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How to Request Your Credit Report
Here’s how to request your credit report
Part 1
Order all three of your Credit Reports
If you want to read your credit report you must order all three of your credit reports. Click here to learn how to order your credit files.
Part 2
Making Preparation
Step 1: Make a copy of all three credit reports.
If you need to dispute something you will need to
keep a copy and send a copy back to the credit
bureau.
Step 2: Get a notebook and pen ready
PHASE 3
Step 1: Read only one credit report at a time.
Put the other two aside for now. There is no reason to combine any of them. Each credit stands along and isn't related in any way.
Step 2: With the first credit report open, notice there are several parts of it. Go down and identify each part
- Personal Data
- Account information
- Collection Information
- Public Record
- Inquiries
Step 3: Open your notebook and write two things on it
1) name of the credit bureau you are examining
Because you have three different bureaus you need to do this for each report. Please write each on separate papers.
2) headings titled Personal Data, Account, Collection, Public Record and Inquiries
Step 4: Examine your personal data
Make sure all personal information is correct. If not write it down in your notebook under the heading personal information.
Step 5: Examine your account information
Make sure all account information is correct. If not write it down in your notebook under the heading account.
Step 6: Examine the collection activities
If you see anything that is questionable to you or if you feel the information on it is inaccurate write it all down the heading collection.
Step 7: Examine your public record information
If a public shows up on your credit file that you feel doesn't need to be there write it down under the heading public record.
Step 8: Examine the inquiry section
If you see that someone has checked your credit that you didn't give permission to, write it down under the heading inquiries.
Step 9: Go back up to Step 1 and repeat those steps for the other two credit reports.
Once you examine all of the information on the credit report you will then need to challenge or dispute
everything you found on it that you wrote down as incorrect.
Click next page to find how to read your credit report in order to correct it.
Hi, I'm Abbie.
Your financial
education tutor.
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