3 credit report Tulsa

Even if you're not looking for new credit, the reports 3 credit report Tulsa are a picture of your credit worthiness. There is also some interesting information that's important if you 3 credit report Tulsa want to buy the information on the credit score that is most 3 credit report Tulsa widely used by creditors. By federal law, all consumers are entitled to receive one free copy of their credit report per bureau per year. To 3 credit report Tulsa get the truly free report as opposed to the ''free'' reports companies offer if you sign up for some service you have to go 3 credit report Tulsa through http://www.annualcreditreport.com or call 877-322-8228.

You should get a copy from each of the three bureaus: Equifax, Experian and TransUnion. Each compiles 3 credit report Tulsa data slightly differently, and one could include erroneous information not on the others.

People have different strategies for getting their free reports you can 3 credit report Tulsa either do them all at once, or space them out over a year. Also, you and your spouse will have different credit reports, so be sure to request both. While the credit reports are free once a year, if you want your credit score, which is used by creditors to score your credit worthiness, you'll 3 credit report Tulsa have to pay for it. report free credit Some 3 credit report Tulsa of the credit bureaus have their own version of the score, but the one you want is called the FICO score, most widely used among creditors. It used to be 3 credit report Tulsa that one bureau, Equifax, would offer you 3 credit report Tulsa the FICO score for about $8 3 credit report Tulsa after you get your free credit report.

But I confirmed with the company that the score you pay for going through the free Web site will be Equifax's own model score, not the FICO score. If you want the FICO score, you'll have to pay $15.95 for another credit report and the score. (The other two bureaus for 3 credit report Tulsa a while have offered their own models, not FICO.) So the easiest thing to do might be to go through FICO's own Web site, http://www.myfico.com, where you will have the option of buying the credit report and FICO score from either TransUnion or Equifax or both. what is credit score (Choose the option on the bottom of the page that gives you a one-time report and score.) 3 credit report Tulsa Each costs $15.95. Or for $1 3 credit report Tulsa less, TransUnion's site at http://www.transunioncs.com offers the report and score for $14.95. Equifax's site at http://www.equifax.com offers it for $15.95. You really need your score only if you are curious about the number or if you are getting ready 3 credit report Tulsa to apply for new credit.

Otherwise, just checking your reports should be fine. The scores are derived from the information in your reports, so that's why it's important the information is accurate.

Be aware 3 credit report Tulsa of a few things: You will have to provide your Social Security number to get your credit reports. While 3 credit report Tulsa it is my advice not to provide your Social Security number to sites you are not familiar with, 3 credit report Tulsa the Web site and phone number above are legitimate, and that's the way they identify the credit report 3 credit report Tulsa to access.

If you're having 3 credit report Tulsa the credit report mailed to you, you should request to have only the last four digits of your Social Security number displayed on the report for security purposes. how do i get a free credit report

Other sites, 3 credit report Tulsa including the credit bureaus themselves, might 3 credit report Tulsa say they are giving a ''free'' report, but most likely you will be signing up for a paid service by taking that free report.

It can be difficult to burrow through their Web sites to find just the report and score, so going 3 credit report Tulsa to the FICO site will be easier.