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It's important to make sure the information on your credit report is accurate. This is especially important if you plan to apply for a new loan or credit card. Inaccurate information could result in credit being denied or you being given a higher rate of interest. If anything doesn't seem accurate on your credit report, make sure you dispute it as soon as possible to have your information accurate again.

Equifax, Experian, and Transunion are three major credit agencies that store, collect, and sell the details of your credit history based upon the information they receive from smaller regional agencies or from credit card companies and lenders. With each of the three major credit agencies, you're entitled to receive one free copy of your credit report every 12 months. Experian also allows you a free online copy of your report. Frankly, the fastest way to view your annual free credit report is online; filling out the paperwork, and sending for, then receiving one's credit report via postal mail can take up to a month.

Your free credit report can be obtained through www.annualcreditreport.com or by directly contacting the companies by mail or phone.

Equifax
P.O. Box 105873
Atlanta, GA 30348
Tel: (800) 685-1111
http://www.equifax.com

Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Tel: (800) 916-8800 or (800) 888-4213
http://www.transunion.com

Experian
P.O. Box 2104
Allen, TX 75013-2104
Tel: (888) 397-3742
http://www.experian.com