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Before you obtain your credit report, you can view a sample credit report online through any of the three credit reporting agencies. By doing this, you can get a feel for how it will look. It will also make it easier for you to interpret the information that is presented on your credit report. You can see how late payments are presented, as well as identify how major negative items appear on a credit report. In addition, if you check out a sample from each of the three big credit bureaus, you can decide which one presents the information in a format that is easiest for you to read. Then, you can order a copy of your credit report.