How to Find Your Credit History: 6 Resources

Finding resources to find credit history is an important task for every person. Credit history is the key to almost every major financial decision. Home purchases, car purchases, credit card offer and employment may even be linked to credit history. As a result, it is very important to regularly review your credit history and correct any errors or incorrectly reported information contained in your credit report. Here are several resources for this information.

Resource #1 – Experian

Experian is one of the three major credit reporting agencies. Every person is entitled to one free credit report every year from each of the major credit reporting companies. You can order your Experian credit report online or by phone. You will need to provide your name, most recent addresses, social security number and an email address where the report can be send. Or, you can order a hard copy of your credit history to be mailed to you.

Resource #2 – Equifax

Equifax is another of the big three major credit reporting agencies. Similar to Experian, Equifax collected information that is reported from credit companies on credit history and credit scores. You can order your free annual credit report from the Equifax website or by phone. You will need to provide all of your credit and contact information. As with Experian, everyone is entitled to a free annual copy of their credit report and also a free copy if they are denied credit or employment due to a credit report provided by a credit agency.

Resource #3 – TransUnion

TransUnion is also one of the three major credit reporting agencies. You can order your credit report directly from TransUnion online or by phone. As with the other two primary credit reporting agencies, everyone is entitled a free annual report or if an employer or credit provider has denied you services, due to information provided on a credit report.

Resource #4 – FreeCreditReport

FreeCreditReport is a company that provides a 3-in-1 credit report from all three major credit reporting companies. FreeCreditReport does not, however, provide you with a free copy of your report unless you sign up with their credit reporting services. This service notifies you of any changes to your credit report and any accounts opened in your name.

Resource #5 – FreeScore

Similar to FreeCreditReport, FreeScore is another company that offers a 3-in-1 credit report from all three major credit reporting agencies. They require membership in their credit monitoring service in order to provide you with a copy of your credit report. If you choose not to join their service, then you are charged a fee for access to your credit report.

Resource #6 – CreditNexus

CreditNexus is also a company that provides a 3-in-1 copy of your credit report and credit history. They also provide credit monitoring services that stop potential identity theft events by notifying you of any changes to your credit report and requiring authorization to release credit information in order to open a credit account. Like other credit monitoring services, participation in their credit monitoring services is required for a free copy of your credit report.

Monitoring your credit report and credit history is an extremely important activity and finding good resources to gain access to your credit information is as simple as clicking a mouse on your computer or by placing a call.



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