| There are various ways of getting your free 3 credit | | | | without bothering to submit them to TransUnion and |
| bureau report considering that the government has a | | | | Equifax. Consequently, your score for Experian is |
| mandate to give every citizen his own free copy of | | | | different with your grade in Transunion and Equifax as |
| the credit report once a year. This will give you the | | | | a result of absence of your additional profile in the two |
| chance to track down and monitor your financial | | | | reporting agencies. Hence, it is important to regularly |
| information and verify the authenticity of the details | | | | check your free 3 credit bureau report every year in |
| recorded in your profile. | | | | order to confirm the accuracy of the information |
| There are many credit-reporting bureaus around | | | | contained in your report. This will greatly improve your |
| offering to give you your free yearly copy of this | | | | rating if you have an excellent record. |
| important document; however, the government | | | | Where to get your free credit bureau report? One |
| designated the three main credit-reporting agencies as | | | | way to get your copy is to request them individually |
| the official source of your personal financial record, | | | | from each of the main agencies mentioned herein. |
| and they are the Experian, the TransUnion and the | | | | They are tasked by the government to supply you |
| Equifax. Therefore, if you want to get your financial | | | | with your free financial record every year upon |
| profile, it is best to get your free-report from these | | | | request. |
| agencies. | | | | Another method is to get them online through their |
| Every time you apply for a loan or credit card, your | | | | web site where the three main official financial |
| payment behavior with them will be recorded in this | | | | institutions have combined their services in one site at |
| report; hence, they should ideally report them to each | | | | where you can initiate your request. This method |
| of the three main reporting agencies in order to make | | | | offers more convenient process in obtaining this |
| your profile consistent. However, this is not always the | | | | important document because you don't need to make |
| case in reality because sometimes there are some | | | | three requests from each of the major reporting |
| creditors who only report them to one agency. | | | | companies; you only make one request and you will |
| For example, your payment record with a certain | | | | get your free 3 credit bureau report. |
| credit card company is submitted to the Experian only; | | | | |