The information in your free instant credit report online is an outline of who
you are and how you handle your finances. The three major bureaus, Equifax, Experian and
TransUnion, each use a slightly different format in creating their reports, but most of the
information is the same. And by getting your free instant credit report online you'll be able
to access the same information that a creditor does.
Your free instant credit report online has five types of information:
Identification Information
In this section is listed your name, address, telephone number, birth date, Social Security
number and your present and previous employer.
Credit Account History
Your credit account information as reported by your creditors is listed here. It shows when
the account was opened, the terms, your record of paying the bills and its current status.
Credit Report Requests
This section of your free instant credit report online shows the businesses which received
your credit report within the past year or two years if for employers. However, requests from
companies making pre-approved credit offers will show up only in your credit report copy
and not those seen by others.
Public Records
This part of your credit report has a listing of liens, judgments and bankruptcies that you've
been involved with. Unlike most negative items which are removed after 7 years, bankruptcies
can stay for ten years and judgments, suits and unpaid tax liens can remain until their statute
of limitations runs out.
Your Optional Personal Statement
If you have inaccurate information in your free instant credit report online you can contact the
credit bureau and have them correct it. After the bureau investigates the disputed information
it will send you the results. If your report is left uncorrected or you're dissatisfied with the
correction, you can add a brief statement regarding the information.
To get your free instant credit report online and free 30 days of credit monitoring, please
go to
free instant credit reports.
