free credit report ca

who opt for a credit card, a mortgage, a loan or other source of funding, a potential lenders check your credit report. This will help them more than any previous unpaid debts or legal judgments against you, and help them determine whether you are creditworthy or not.

There are three three nationwide consumer reporting in the U.S.: Experian, Equifax and TRANS UNION. All others hold information about you, and all or some of them may be caused by a potential lender.

If you are thinking of applying for credit, so - and especially if you ever in the past - it is important to find out what these companies on their records about you. And since all three companies are independent, have access to all of them.

The good news for consumers is that from 1 September 2005, all in the United States is entitled to a free copy of credit report from each of the consumer reporting companies once a year.

For free copies of your credit report, you should not apply to the three companies directly. There is only one site, which is authorized to provide credit reports, and this is at www.annualcreditreport.com. You can also use your credit report by phone by calling 877-322-8228.

If you notice an error on your credit report - for example, a debt that is not from you or a disputed amount - you must fill out the form to the report, or follow the instructions on the sheet justification. After receiving a challenge, a credit-reporting the claim, usually within 30 days.

As long as a fee in dispute, it is still up on your report. Long-time lenders say it is common that reports of errors. Some estimate that more than 80 percent of all credit reports contain some kind of misinformation. So it's really important that this free opportunity to make your credit report, even if you do not plan any funding applications.