 | |  |  |   | | Doris Fitzgerald | | Senior Mortgage Consultant |
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 Pull Your Credit Report
The first thing you should do is to pull your own credit report. You may not think your credit is very good, but how do you really know? There are plenty of companies on the internet willing to provide your credit report for a fee. However, the Fair Credit Reporting Act allows you to request one free credit report from each of the three major reporting companies each year. To access this information go to: http://www.annualcreditreport.com. This site is supported by all three credit reporting agencies. They require you to get your report online by starting here. It's easy to use, and in a few minutes you will be looking at your reports from all three. Now, the law says you get the reports for free, but it allows the companies to charge you for your credit score. You don't need to pay for all three scores, but you should get at least get one. At the time of this writing, Equifax charged $6.95 USD, TransUnion $5.95 and Experian charged $5.00. Usually the scores will be within ten to fifteen points of each other, so you don't need to buy all three. There are other services they will sell you too, so be careful, and buy only what you really need.
You are also entitled to a free report anytime you have been turned down for credit. The lender must disclose which reporting agency was used to make their credit determination. You may request a report from the credit reporting agency within 60 days.
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