Obtaining Your Credit Report

Obtaining Your Credit Report

The first step you need to take when trying to fix your credit score is to find out what your score is and what it means.  Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year.  This report lists all your debts you’ve had and your payment history on those debts.

It will tell you where you owe money, how much you owe, and how you pay (on time, 30 days late, etc.).  All that information is compiled together and then analyzed.

After the analysis, a number is assigned to you as to what your credit fitness level is.  Potential creditors then look at your credit score and decide if you are going to be able to pay back the amount of money you are requesting to borrow.

That’s the short version.  There is much, much more involved in determining your credit score.  However, what should be important to you is knowing how to read your credit report and how to raise that score so that you can get the things you need.  Remember that – the things you NEED, not the things you WANT!

How to get your Credit Report

Let’s start with how to get your credit report in the first place.  There are three major credit reporting agencies that will offer you one free credit report each year.  They are Experian, TransUnion, and Equifax.  You can contact each of them directly in the following ways:

  • Equifax – Online, you can find them at www.equifax.com.  You can also order your free credit report by mail.  However, they only offer this option for free to residents in the states of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont.  All other states are required to pay a $10 fee.f

If you do want to do this by mail, send your request to Equifax Information Services, LLC; Disclosure Department; P.O. Box 740241; Atlanta, GA 30374.  You can also call them at 1-800-685-1111.

  • TransUnion – Their web address is www.transunion.com.  As with Equifax, you can also make your request via mail by getting a copy of their mail request form online and sending it to the address provided.  You can also call them at 1-877-322-8228.
  • Experian – www.experian.com is where you can make a request for a credit report from this credit reporting agency.  As with TransUnion, you will need to download a form from their website if you wish to request your credit report by mail.  By phone you can call 888 397 3742.

The main thing is that you will want to get your credit report in order to find out where you stand and how far you have to go to repair your credit.  Most of the time when you download your credit report, you will be able to view and save it instantly.  Save it to your computer’s “My Documents” file or your desktop so you can always reference it.

Also, there are some sites that offer low-cost credit monitoring memberships and will alert you if a new item comes onto your credit report.  The site we recommend is linked below for your review.


Check your credit scores and monitor your credit.


Elevatemyscores.com headquarters are 10101 Southwest Fwy #400A, Houston, TX 77074. The main phone number is 844.663.3867.