How to Get Your Credit Report and Credit Score

6a0133f3fc5805970b01bb085eae9d970d-150wiDo you know the difference between your credit report and your credit score?

Your Credit Report

Your credit report includes information on your address, Social Security number, employment information, how you pay your bills, and whether you have been sued or have filed for bankruptcy.

Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Under federal law you are entitled to receive one free credit report per year from each of the three major credit reporting companies – Experian, Equifax and TransUnion.

To get your free credit report, visit or call 877-322-8228. You can also complete their credit report request form and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348. You should not contact the three reporting companies individually.

Beware of websites that claim to offer “free credit reports.” They come with strings attached. Usually, they will offer a “free” service, but then after a trial period they will automatically sign you up for a service with a monthly fee.

Why would you want a copy of your credit report?

This is the beginning of an article I’ve posted on In the rest of the article I further explain how to get your credit score with links to other articles with additional information. is a community for family child care providers and parents that offers a wide variety of resources including recipes, a blog, and a newsletter.  It serves as a clearinghouse for many online resources (children’s activities, training opportunities, equipment, and more). was created by Minute Menu to offer free assistance that will help the family child care community grow.

Tom Copeland –

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Categories: Money Management, Money Management & Retirement

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