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Summit 2014

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Your Credit Report

Request Your Free Credit Report Once Every 12 Months
Consumers are entitled to a free copy of their credit report every 12 months from each of the three major credit bureaus: Equifax, Experian and TransUnion. Visit www.annualcreditreport.com to request your credit report online, by phone, or through the mail.

Review Your Credit Report
Over 13 million people a year find inaccuracies on their credit reports – incorrect late payments, accounts that should have been closed, other people’s debt information and more. Report mistakes right away; errors could lower your credit score, costing you money.

You’re the one who has to ensure your report is correct. If you find an issue:

  • Check the last page of your report for instructions for claim disputes.
  • Contact the credit bureau and report the error immediately.
  • Put it in writing – if the issue remains unresolved, provide a letter of explanation and request that it become part of your report.

This is all the information that uniquely identifies you from another person who may have the same name.

These listings show any legal information that may affect your credit ranking.

Any collection agencies assigned to recover outstanding debts will be listed here.

Installment loan accounts will be listed here, such as school loans, auto loans and mortgages. Revolving credit amounts will also be listed. These may include credit cards, store cards and gas cards. This gives credit issuers information on payment history.

This is a list of any companies who have requested information on your credit history. On this example Equifax may have requested information in response to a credit application.


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