| The US government is compelled to provide every | | | | to say TransUnion only and not Equifax or Experian, in |
| citizen with a free copy of their credit report every | | | | that case only TransUnion will have your accurate |
| year. This is one of the various ways of receiving your | | | | profile and the other two firms will have ratings that is |
| free 3 credit bureau reports. This way you can monitor | | | | inconsistent with your profile in TransUnion. In such a |
| your financial situation and at the same time weed out | | | | case it is important that you check all 3 credit bureau |
| any errors on your record. | | | | reports at least once a year and undo any |
| If you still need an easier way to get your credit report, | | | | inconsistency that may have arisen. This in turn will help |
| there are several bureaus which provide you with a | | | | improve your record and allow you to get better rates |
| free copy of the credit report. In case you would want | | | | of interests on subsequent loans. |
| to get a legitimate copy you would do best as to | | | | Each of the three firms mentioned have been |
| inquire with the government approved credit reporting | | | | entrusted with the task of providing citizens with their |
| firms such as Experian, the Equifax or the TransUnion. | | | | credit reports, so if you want to get your free credit |
| According to the standard procedure when you take | | | | report, you can request a copy individually from each |
| a loan or use your credit card, your payment patterns | | | | of the firms. They are bound by laws to comply. The |
| are recorded in a report which is then presented to | | | | other obvious procedure for getting your credit bureau |
| each of these three firms. However generally, | | | | report is to apply online through one of the various |
| discrepancies arise because some creditors place this | | | | websites that provide you with the report. Once you |
| report to only one agency thus leading to inconsistency | | | | place a request at any of these websites they |
| to your profile in general. Hence your details are | | | | contact the three official bureaus for you and then |
| generally and should be reported to all three firms to | | | | they send your free 3 credit bureau report. This is a |
| maintain a consistency in your financial record. | | | | very convenient method and is the most popular |
| As a small example, if your profile has been submitted | | | | method. |