To obtain a copy of your personal credit report, contact a major credit bureau, such as Trans Union Credit, T.R.W. Credit Services, and Equifax (EK-wuh-fax). Their phone numbers and addresses can be found in your phone directory or at the local library. After you have obtained your credit report, you will notice that it only reveals information that will aid creditors in making decisions about extending a loan or line of credit to you. Such information can be positive or negative and will include your credit history and current debts. If you notice an error or discrepancy on your report, you should contact the reporting bureau as soon as possible. Clearing up any negative information is especially important if you are considering applying for a loan or making a major purchase that will require a credit check. For more information, contact a credit bureau or your local chapter of the nonprofit Consumer Credit Counseling Service.
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