Things you should have be aware about before getting a credit report

Before going for getting your free credit report there are some points that must be very clear to you like your financial information, how to get your credit report and which companies/company to chose to get the reports/report. So here is the detailed list of things you must be worry about before getting free credit report:

1. Keep your financial information with some of your earlier addresses, as they may be required when you go for getting credit report as a way to verify your identity.


2. Your credit report information can vary from one credit bureau to another, as most of the companies do not report your information to all of three credit bureaus. They may prefer to report to just one or two of them.


3. Often Lenders and creditors who are willing to do business with you, check your credit worthiness from one of the credit bureaus only. And incase there are some inaccuracies or errors in that credit report, that can have really bad impact on your reputation.


4. Consumer Union recommends that one should not get credit report from all of three credit bureaus at a time. They should look to get it after every 4 month from the credit bureaus i.e. get one from Experian today, then get it from Equifax after 4 months from today and then get the last one from TransUnion four months after that date.


5. But the Motley Fool recommends that you should get all of your first credit reports at a time and then look to get these reports after a interval of 4 months one at a time.