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Getting & Protecting Your Credit Report

If you want to get a free credit report, you can go straight to the source and request one from each of the three major credit reporting bureaus. Equifax, Experian and TransUnion are all required to give you one report for free every 12 months. They will usually have a button on their Web site that says “order credit report” or something to a similar effect.

When you do get your credit report, it is important to keep that information safe and secure. Do not leave it lying around where others can see your personal financial information. Do not leave the report in your backpack unattended in the library while you look for a book. If someone steals your bag, they now have a lot of information that can do damage to your credit.

The best thing to do is keep the report on file in a secure location in your home. If you do throw the file out after reading it, make sure to run it through a paper shredder. Do not just throw the document whole into a trash bin. Someone can still easily find it.
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Getting Your Credit Report

There are a few different options when it comes to getting a copy of your credit report. You can contact one or all three of the major credit reporting bureaus: Equifax, Experian and TransUnion. You can either do this via the telephone, in writing through the Postal Service, or on the Internet at each company’s respective Web sites.

Whichever of the above features you chose in obtaining a hard copy of your credit report, the document is mailed out within 15 days of the bureau's receipt of your request. If you do not want to wait and have access to a computer, you can get your credit report online instantly.

Your other option would be to use a service like IdentityGuard® or similar companies that will request reports from all three agencies and put them into one file for you. The benefit of this method is that you can enroll in fraud and identity theft protection services that will get credit reports for you and offer credit monitoring as well.
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