Credit Reports

A credit report contains all of the information related to your finances, such as payment history and amounts owed, and a credit score is the numerical value calculated from this information that is used by creditors to help determine whether to give you credit. If credit was a term paper, the score would be your grade at the top and the report would be the feedback your professor wrote about how well you performed on the back. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.

There are three major credit bureaus; each bureau compiles their own credit reports, so it is important to check your report from each of them to ensure against inaccuracies and fraud.


Federal law allows you to get a free credit report once every twelve months from each of the three major credit bureaus. To obtain yours, please visit

Each bureau will also provide you with your credit score for a small fee. Please contact them directly to obtain your credit score.


800.685.1111 (general)
800.525.6285 (fraud)
P.O. Box 740241
Atlanta, GA 30374

888.397.3742 (general and fraud)
P.O. Box 2002
Allen, TX 75013

800.888.4213 (general)
800.680.7289 (fraud)
P.O. Box 2000
Chester, PA 19022