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your credit

You have already learned how this credit information has been gathered, rated and placed on file for credit reporting. You can hire a credit repair company to obtain and try to fix your credit for you or you can obtain a copy of your reports just like a regular consumer would - after all, it's your report.

There are many different credit reporting agencies in business today, and there is one in every community. First, this discussion will be limited for simplification, to three of the largest NATIONAL companies, Experian, TransUnion and Equifax. Second, the discussion will include limited information concerning contacting the LOCAL credit reporting agencies in YOUR area.

To evaluate your personal credit profile, you must obtain a copy of it. You may obtain a copy of your personal credit report by writing to: Equifax, Experian & TransUnion.

You may wish to call your LOCAL credit bureau as well. Look in your local yellow pages under Credit Reporting Agencies. Call up to find out mailing addresses and fees to obtain your report.

By the way, if you have been refused credit within the past 30 days and one of the reasons for the rejection was an "unfavorable" credit report, you have certain rights under the law.

You first have the right to know which credit reporting agency was used to obtain the report. You also have the right to CONTACT the agency and find out exactly what criteria on your report has caused the rejection You also have the right to obtain this information FREE OF CHARGE if you have been denied credit Within THE PAST 30 DAYS!

Because with almost every important financial move that you make a credit report is involved, it is very important that you be concerned with what your credit report says regarding YOU AND YOUR CREDIT!