There are several reasons why you may want to obtain a credit report. We’ve listed a few of the main reasons below.

Creditworthiness: The information on your credit report can be used to determine whether or not you are able to buy a new car, rent an apartment, get a loan, or qualify for other credit.

Fraud: Checking your credit allows you to be alerted to information that may have negative, long-term effects on your credit history—such as excessive inquires and possible fraud.

Inaccuracies: By checking your credit report, you can discover possible inaccuracies in your credit history. Correcting inaccuracies ensures that your credit report is current and correct.

Though many local credit bureaus exist, three of the most well known and commonly used are:

 Equifax Credit Information Services, Inc.
    P.O. Box 105496
    Atlanta, GA 30348-5496
    1-800-997-2493

Experian National Consumer Assistance Center (formerly TRW)
    P.O. Box 2104
    Allen, TX 75013-2104
    888 EXPERIAN
    1-888-397-3742

Trans Union LLC
    Consumer Disclosure Center
    P.O. Box 1000
    Chester, PA 19022
    1-800-888-4213