Get all 3 Credit Reports Free

Get all 3 Credit Reports Free

Get all 3 Credit Reports Free

Having good credit cannot be underestimated. Good credit will get you a home loan, credit cards and other credit lines at the best interest rates possible. This is vital so that you are not paying too much money for what you need in life. Many people do not understand that if their credit is poor, they will be paying much more over the course of the loan, because their payments will be so much higher. Since most individuals give their credit report little thought, things can be added to the reports that are not accurate. Why should you get all 3 credits reports free? To simply stay on top of what is going on with the state of your finances.

Getting a copy of your credit report can help you determine;

  • Whether there are inaccurate listings on your report
  • If companies are reporting your payments correctly
  • If there are negative reports that you will dispute
  • Whether you need to take any immediate action

How do you get a free report?

To get all 3 credit reports free, you have to contact all three of the main credit reporting bureaus in the country. These three are; Transunion, Experian and Equifax. All of the three report to lenders on the state of your personal credit. However, some report things that the others do not. For this reason it is necessary for people to check all three of the bureaus to see what they are saying about you. The report will say a lot about how you are handling your finances or in some cases not handling them. The current economic climate has seen many people receiving falling credit scores that hurt them in their ability to refinance their homes to get better rates and lower payments.

Do not let this happen to you. It is so simple to get your free report and then to make a plan on how you will get the negative items removed. If the listings are true, and only you will know that, take some time to contact each creditor and see what can be worked out. Most of them will want their money and will work with you, many times settling for a much smaller amount if you can pay all at once, or letting you make some payments to get the account settled. Always ask the creditor if he or she will remove the negative listing from your report, when the money has been repaid. When you are speaking with the creditors, take the time to jot down the time, day and the employee’s name so that you will have good and accurate records should something that is agreed upon not play out.

After the bill has been settled to your and your creditor’s satisfaction, give it some time and log back into your credit report to check to see if the listing has been removed or at least updated. Many people go through hard times, but if you take the time to repair your credit you can definitely are rewarded with better credit scores in the near future. It does take some time to do and if you want to be able to log in and out of your own personal credit report, you will most likely need to pay for a membership which can be as low as 10 dollars per month. This will be necessary for you to be able to have the access that you need to stay on top of what is going on in the credit bureaus. Be proactive and tackle those credit problems so that they do not continue to haunt you in the future.

Free Credit Report Gov

Free Credit Report Gov

Free Credit Report Gov

Every 12 months you can request a free copy of your three credit reports per the Fair and Accurate Transaction Act (FACT). These reports are provided by Equifax, Experian, and Trans Union.

Keep in mind that requesting your free annual reports will not give you your credit scores. To access your credit scores you can pay an additional fee to each credit bureau or to a credit monitoring agency that can do monthly monitoring of your credit and provide you will your scores in addition to your reports.

How To Request A Free Credit Report Gov

  • Annually—you can access your free annual reports through one of these three methods:
    • By Phone: You can call Annual Credit Report Service at 1-877-322-8228.
    • By Mail: You can download and mail in a Annual Credit Report Request Form to:

Annual Credit Report Request Service
PO BOX 105281
ATLANTA GA 30348-5281

When you request to receive your free annual credit reports, be prepared to provide personal information such as your current lines of credit, dates of past lines of credit, social security number, current employer, or your past and present address.

If you request your reports online you will receive them instantly, if you request via phone or mail you will receive them within 15 days.

Is There Any Other Time That You Can Request a Free Credit Report Gov?

Yes, there are circumstances that arise that allow you to request free credit reports under FCRA regulations. Some of these circumstances are:

  • If you have been turned down for a line of credit, received an “Adverse Notice”, or received a collection notice that your credit rating may be adversely affected, you have 60 days from the denial or notification to request a free copy of your credit reports.
  • If you have placed a Fraud Alert on your credit file you can request a free copy of your credit reports. You can place a Fraud Alert on your account when you suspect someone has gained access to your personal information, such as having your purse or wallet stolen. The Fraud Alert will be active on your account for 90, or longer if you call to extend. You can call each bureau directly to place a Fraud Alert on your credit file or go to:

  • If you have any of these changes occur you can also request an additional free reports:
    • Are recently unemployed and would like to check your credit reports to assess what information potential employers may see. Employers cannot access your credit files without your written consent.
    • Have been placed on welfare.
    • Have reason to believe that some type of inaccurate information or fraud has been added to your credit files.

What If I Don’t Qualify For a Free Credit Report Gov

Anybody who has received his or her free credit report Gov ( for the year, but would still like to check the credit files can for a small fee. You can do this by:

  • Signing up with a credit monitoring agency that, for a monthly fee, will give you your updated credit scores, credit reports, and alert you of any changes to your credit files.
  • Contact each for the credit bureaus individually and pay a small fee to each for your reports. You can reach each of the bureaus at:

Monitoring your credit files on a regular basis is key in maintaining healthy credit scores and assisting in early detection of Identity Theft and fraud.

Free Credit Report 3 Scores

Free Credit Report 3 Scores

Free Credit Report 3 Scores

It is a good idea to check your free credit report 3 scores on a regular basis. You can do this by a variety of different methods. On an annual basis you can go to to request a free copy of your credit reports from each credit bureau. The free annual reports you receive here will not include your credit scores.

You can also sign up for an account with a credit monitoring agency. These agencies will typically give you both your report and scores, and will notify you of any changes to your credit files. Your credit reports will give you detailed information such as:

  • Your current personal information such as your present employer, recent address, date of birth, and social security number.
  • Current lines of credit such as credit cards, car payment, mortgage, or accounts in collection.
  • Inactive or closed lines of credit. Your past accounts can stay on your credit reports for 7-11 years.
  • The date in which you opened each line of credit, your current balance, and if you pay your accounts in a timely manner.
  • Record of all inquires to your credit files for the past two years. Inquires to your credit file can only be accessed via your written permission. The inquires would occur in situations such as:
  • Applying for a new line of credit.
  • Applying for an apartment.
  • Applying for a new job.
  • Setting up new accounts for insurance, cell phone, or utilities.
  • Matters of public record like bankruptcy, liens, or unpaid child support.

How To Obtain Your Credit Scores

Once you have copies of your free credit reports, it is valuable to check your scores to see where you rank. The rankings are as follows:

  • 720-850 – Excellent – This range gives you the best access for gaining & negotiating financing terms.
  • 700-719 – Very Good – This range means you are still a favorable financing option.
  • 675-699 – Average – This range means you will usually qualify for your financing needs.
  • 620-674 – Sub-prime – This range means you may still qualify for financing needs, but with greater interest rates
  • 560-619 – Risky – This range means you will have a more difficult time qualifying and may need a cosigner or collateral.
  • 500-559 – Very Risky – This range means you will have a very difficult time qualifying for financing and need to take steps to improve your ranking.

What to Do If You Find an Error On Your Reports

If you find an error when checking your free credit report 3 scores you are protected under the Fair Credit Reporting Act (FCRA). This act requires both the company providing the incorrect information and the credit reporting agency to correct all errors. You will have to be the one to get the ball rolling.

Let’s say there is a credit card opened in your name that you have not authorized. You would need to contact the credit card company directly and file a dispute with each of the credit bureaus. The credit berceuse will research your dispute, usually within 30 days. The credit card company and credit bureau may request information from you to process your dispute. Keep copies of all information you provide, and a record of the name, date and time of everyone assisting in helping to resolve your dispute.

Once the investigation of your dispute is complete, the credit bureau will provide you with written results of the outcome, and a free updated copy of your credit report. This can take a lot of time and energy on your end as you may have to communicate with all three bureaus, but it is worth the time to ensure that your credit reputation is not damaged. To maintain your credit history, make a habit of regularly checking your free credit report 3 scores.

Free Annual Credit Report Gov

Free Annual Credit Report Gov

Free Annual Credit Report gov

There are not too many things in life that are free, but getting a free annual credit report is one of them. Good credit is essential to obtain the credit you will need throughout your lifetime. In today’s troublesome economic climate, it is next to impossible to buy a home or even get one refinanced without a good credit score. So, what is a credit score? A credit score is a compilation of a set of statistics that show a great deal about your credit status and how you have handled your credit over a period of years, months or days.

A credit score can tell lenders a great deal;

  • How much credit you have
  • How late you may have been on your payments
  • If you have missed any payments over the past year
  • Any negative reports from creditors
  • Any tax liens or court judgments for payment

Free Report

Once per year, anyone should be able to obtain a free copy of their credit report simply by requesting access to the information. One of the most common occurrences regarding a credit report is that not too many of us really think about our credit and how it may impact our lives until we learn that we are having to pay a much higher interest rate than we thought. It is then time to obtain a copy of your credit report and one way is to get a free annual credit report gov, from any one of the top three credit reporting bureaus. These three are;

  • Equifax: 1-800-685-1111
  • Transunion: 1-800-888-4213
  • Experian: 1-888-397-3742

All reports from lenders get logged into at least one of these big three credit reporting bureaus Many lenders will check the credit from all three, although some lenders prefer to do most of their business with one credit bureau, as they understandably develop excellent working conditions with the employees at that bureau. Each one of these credit bureaus can have a different score than the other, although most of the time all three scores are similar.

Getting a copy of your free annual credit report gov ( is something that is free at least once per year in most cases. All one needs to do is to select which one of the three credit bureaus you want and request the information. After your get your free credit report, you can spend some time looking it over for errors. It is not uncommon for there to be errors on your report that is being reported to lenders. These errors can keep you from getting the loan that you need. Go over your report very carefully.

Anything that you do not agree with can be appealed or disputed. Disputes can be done quite easily. If you tell the credit bureau that something is wrong on your report they will conduct an investigation and the problem may be removed. Some people’s names are very similar and this is sometimes where the confusion lies. Another person’s history gets mixed up with yours and the report is inaccurate.

Make sure that you go into good enough detail so that the credit bureau can do a thorough check on your behalf. Getting this free annual credit report gov is one of the best ways to make sure that your credit stays in good shape, so that all of your future credit needs can be taken care of. This is vital in all phases of our lives, if we want to purchase or renovate our homes, take an expensive trip, or to open your own business. It is so important to keep on top of what your report is telling other people.

Free 3 Credit Reports

Free 3 Credit Reports

Free 3 Credit Reports

With identity theft on the rise, it is important to get copies of your free 3 Credit Reports each year. A good way to be consistent is to check your credit reports at the beginning of ever year.

If you look online you will find many companies that will charge a fee for you to access your credit reports, credit scores, and offer monthly credit monitoring. While these are all great options, we are all entitled to one free report each year. If you would like your scores too, you will have to pay additional fees.

If you are comfortable accessing your reports online, you can gain instant access at If you are more comfortable accessing your reports by mail you can call each agency directly to receive them within 15 days.

The 3 bureaus you will be accessing information from are:

  • Experian

Tel: 888-397-3742

  • Equifax


  • Trans Union


Whether you are calling or accessing your information online, you should be prepared to provide personal information to verify your identity. You will need to provide information such as

  • Social security number.
  • Present or former employer.
  • Present or former lines of credit.
  • Present or past addresses.

What To Look For on Your 3 Free Credit Reports

Once you have obtained the copies of your 3 free credit reports, you want to confirm that all information is correct. Here is what you want to look for:

  • Is your current address correct?
  • Is your current employer information correct? If you have recently started a new job your reports may have not been updated.
  • Are all of the open lines of credit correct? This will include credit cards, student loans, mortgages, and accounts in collection.
  • Are all closed lines of credit correct? This will include any closed credit cards and debts that have been paid off. These will remain on your credit report for 7-11 years.
  • Are all matters of public record correct? This will include things like bankruptcy, liens, past due child support.
  • Have you authorized all credit inquires that are present? You must give written consent to authorize anyone to check your credit. This could include your insurance company, cell phone provider, employer, or a lender you have applied with.

Why Don’t All 3 Free Credit Reports Show The Same Information?

It is not uncommon to find slight differences on your credit reports. This is because not all creditors or businesses making inquires, utilize all three bureaus. For example, you might have an inquiry for rental history that shows up on Experian, but not on Tran Union or Equifax. Or maybe you have a student loan you are paying that only shows up on Equifax and Trans Union, but not Experian. Neither of these scenarios are cause for concern, but may result in each of your credit scores being slightly different.

What If There Is A Problem On my Report

If something on one of your 3 free credit reports is inaccurate you want to act immediately to ensure that you are not a victim of identity theft. Take these steps:

  • Call the creditor directly if incorrect information is being reported. Sometimes it is a clerical error that can be cleared up quickly. If a creditor has made an error they will make the adjustment and send the updates to the appropriate bureau. Document every phone call and keep copies of all information you are asked to provide.
  • File a dispute with each credit bureau. You can do this online or over the phone.
  • If the discrepancies on your reports look as though someone has stolen your identity, immediately go to the FTC website, where you will get the help you need to determine if you need to place a fraud alert on your account or do a full security freeze.

Check Three Credit Scores

Check Three Credit Scores

Check Three Credit Scores

Why should anyone be concerned with their credit score? A credit score is a snapshot, if you will, of how you have taken care of your personal credit history, and a future indication of how experiences believe that you will take care of your future debts. Virtually no one gets a car loan, a mortgage or a credit card without the lender checking the credit score of the individual. Why check three credit scores? Here are some reasons:

  • Not every notation will appear on each one of the three main bureaus
  • Something may be noted that will preclude the individual from obtaining credit.
  • Your score will be a bit different on each site.

Check the report

At least once per year you can obtain a free credit report from each one of the three major credit reporting bureaus. These big three are the ones where most of our information is contained

  • How much we owe on every account in our name
  • How current the payments are for each account
  • How many times we have been late on a payment.
  • Various other notations

The main three credit bureaus are Transunion, Experian and Equifax. Most individuals may not know about these credit bureau sites or know how to check three credit scores. There are some companies that will check your report for you; however, there will be a fee higher than what it would cost you to do this yourself. In addition, some of these sites are not reliable or reputable sites. Consider this very carefully if you are choosing to law down your hard earned money to another entity to review your report. However, if you do check three credit scores and want to do some repairs to your credit, you may want to enter into a credit counseling program.

These programs will monitor your report for you and make suggestions on how to get your credit score to go higher. There are certain things you can do that will jump up your score and other things that have little impact. Major credit card defaults, judgments and tax liens will take their toll on your credit score. Enter into any agreements with an outside company very carefully. Do not get burned with a company that promises you something that seems too good to be true.

Make a plan

Make a concrete plan when you set out to repair any credit score that is too low to get you what you want in life. You will need to contact any creditors that may have turned over negative reports to the bureaus. This is critical, as some may settle for lesser amounts of money with you and even remove the negative report all together from your credit file after payment has been received. Take notes of all conversations, with dates, times and the name of the company representative that you have spoken with on the phone or by mail. Companies want to be paid even years after the date of the original debt. Most of them will work with you to get at least something out of the deal. Figure out how much you can pay on the smallest debt work on getting that on paid off and then begin to tackle the rest of them. Some people choose to get a second job so that they can pay off their debts earlier. Do whatever you can to raise the credit score so that you can take out the credit you will need in life at the best rates. Check all three credit scores to see what all three companies are reporting about you and your debts.

All 3 Credit Scores

All 3 Credit Scores

All 3 Credit Scores

It is important to know all 3 credit scores assessed to you by each credit bureau; Experian, Equifax, and Trans Union. Staying on top of both your credit scores and your credit reports is key in maintain a healthy credit history. Having low credit scores can affect the amount of interest you pay on loans, affect insurance premiums, influence potential employers, and can deter lenders from lending to you further.

When it comes to managing your credit keep these factors in mind:

  • It Is Up To You To Manage Your Credit

While you can hire a company to do monthly credit monitoring, no one knows the details of your credit history better than you. Make a habit of checking all 3 credit scores and reports annually to ensure that all information is accurate.

  • Uncaught Errors on Credit Reports Can Lower Your Credit Score

You would be surprised how often mistakes are found on credit reports. Sometimes a simple data entry error can lower your score by hundreds of points. Let’s say you finally pay off a student loan, but when your lender transfers your updated account information to the credit bureaus they accidentally check the box ‘Past Due’ instead of ‘Paid In Full’. This error can significantly lower your credit scores.

Make sure you read through each of your credit accounts on your reports to ensure that all information is accurate. All debts will stay on your credit report for 7-11 years after your accounts are closed.

  • Poor Credit Can Influence Potential Employers

In order for a potential employer to check your credit scores, they must first obtain your written permission. Some employers associate low credit scores with a lack of responsibility or cause for concern if you will be working with cash or finances.

If you have low credit scores it may be worthwhile to be upfront with your potential employer before they run your credit history.

  • All 3 Credit Scores May Be Different

Ideally your three credit scores should be within 40 points of each other, but sometimes this is not the case. There are a variety of reasons for this. Some of your lenders only work with 1 or 2 of the three bureaus and some of the bureaus will remove ‘bad credit’ faster than the others.

If you have a large difference in your credit scores you can call the bureaus for tips on how to improve your score.

  • Checking All 3 Credit Scores Can Alert You To Identity Theft

If you check your credit scores and credit reports on a regular basis you will be in a better position to detect identity theft. If you see an unexpected drop in your credit scores, inquires to your credit history that you have not authorized, or accounts opened that you are unaware of, you want to catch them sooner rather than later. At the very least check all 3 credit scores and reports annually.

If your wallet is stolen or you suspect that someone has obtained access to your personal information, you can call each of the bureaus for a 90-day Fraud Alert to be placed on your account. What this will do is notify you every time someone attempts to access your credit information. Keep in mind, that if you try to apply for new lines of credit while you have a Fraud Alert placed on your account, your lending approval time may not be same day.

These are just a handful of the reasons it is important to stay on top of all 3 credit scores. To access your credit scores you can contact each bureau individually or sign up for a credit agency that will provide your credit scores, updated credit reports, and provide monthly monitoring.

3 Free Credit Reports

3 Free Credit Reports

3 Free Credit Reports

Each calendar year you are entitled to receive your 3 free credit reports from each credit bureau. Checking your credit reports each year is important in ensuring that you are not victim of identity theft, and that all of your current lines of credit are correctly updated.

The three credit bureaus that record your credit history are Experian, Equifax, and TransUnion. If you are also interested in receiving your credit scores, you will have to pay an additional fee to each bureau, or you can sign up with one of the many credit monitoring agencies that provide you with your credit scores.


Where to Get Your Free Report

To receive your free reports go to for instant access or call 877-322-8228 to have your 3 free credit reports mailed to you within 15 days. When you call or go online please be prepared to provide information that verifies your identity such as:

  • Social security number.
  • Current of former employer.
  • Current or former lines of credit.
  • Current or past addresses.


Information Your 3 Free Credit Reports Will Provide


If you have not accessed your credit reports before, they will provide you with valuable information such as:


  • Current personal information such as your Social Security number, date of birth, most recent address, and current employer.
  • Current credit lines such as loans, credit cards, mortgages, or any accounts that have been sent to collection.
  • Closed or inactive lines of credit. Please note that these will stay on your credit report for 7-11 years.
  • The date each line of credit or account was opened, current balance, and if you have paid on time.
  • Companies you have given written permission to access your credit history or score for the past 2 years. Examples of these would be when you apply for a new line of credit, apply for an apartment, sign up for new insurance, or if you give consent for an employer to access your credit.
  • Matters of public record that effect your financial status such as past due child support, liens, or bankruptcies.


What to Do If Something is Incorrect on Your Report


If you find something on your report that is incorrect or that someone has accessed your credit history without your consent you need to file a dispute and may want to place a fraud alert on your accounts.


If you accessed your 3 free credit reports online and need to file a fraud alert, you can simply click the button from the drop down menu that states “File a Dispute”. You can also contact each agency by phone or mail. It is also best to contact the source of the incorrect information as soon as possible. For example; if a credit card has been opened in your name without your knowledge, call the credit card company immediately. All creditors’ phone numbers show up on your credit reports.


When filing disputes make sure to document the date, time, and name of everyone assisting you in resolving your dispute. Also keep copies of any paperwork that you provide to the credit bureaus or credit sources.


If you suspect identity theft while checking your annual reports, or at anytime throughout the year, call each bureau to place a Fraud Report on your accounts. This will ensure that for the next 90 days, or longer if you call to extend, that anytime someone attempts to access your account you will be notified. You can reach each bureau at:



Tel: 888-397-3742





Trans Union



For identity theft you should also contact the Federal Trade Commission to see if it is appropriate to file for a Security Freeze. You can contact them at:

3 Free Credit Report per Year

3 Free Credit Report per Year

3 Free Credit Report per Year

A credit report checkup is not something that most people ever think about doing. However, this is a very important thing to put on your to do list. Just as a physical checkup is vital to our personal health, so is a credit checkup vital for our current credit standing. Credit reports are important to check because there can be so many errors that can occur to many people each year. One of the best ways to maintain your credit checkup is to get your 3 free credit reports per year.

The top three credit bureaus are;

  • Experian
  • Equifax
  • Transunion

These are the big three in the credit reporting industry. They are necessary for all creditors to check and all three will give a customer a free report at least once per year. All an individual needs to do is to contact each one and request the free report. After you have obtained the free report, what do you do if there are inconsistencies showing up?

Clean it up

After you get your 3 free credit report per year from all three bureaus, it is time to really look them over with a fine tooth comb. There are millions of people who find that there are inaccurate reports listed on their credit report. Sometimes people do not find out that there are problems until they are applying for a loan for a new home or other purchase. This is not the time when you want to encounter trouble. If you are thinking about purchasing a home or other item that will result in your credit being checked, take some time prior to that purchase and make sure that your credit report is the best that it can be. Clean up all the items before you go to your lender.

How do you get these inaccurate items removed? You will need to request that the credit bureaus do an investigation on your behalf, by logging online and denying or appealing that the negative listing is yours. However, not just negatives can affect you. If your report lists that you have had a paid mortgage in good standing and you do not, the lender will wonder why you need to buy another home, and may think that your credit is not good enough. After you begin the appeal of the negative listing, it may take several weeks for the credit bureau to remove it from your report, although it can take much longer. Keep checking your report, even if you need to purchase a monthly plan to do so. It is better to have these things removed once and for all before you set out to obtain loans again.

Free reports

Free reports will help you discover what is going on with your credit and let you take the right steps toward fixing it. However, it is important not to hire any outside firm to fix your report yourself, unless you check them out thoroughly. If you do not, you are taking great risk at losing your money if you cannot make sure that the company is legitimate.

If a company tells you things that seem too good to be true, then they probably are not true. No one needs to hire a credit fixing company, as you can accomplish what you need to do on your own with some old fashioned homework and a determination to succeed and really turn your credit around. Many people get into tight spots during an illness, a divorce, or the collapse of a business and may suffer negative credit times, but those times can be put behind you.

3 Credit Bureau Scores

3 Credit Bureau Scores

3 Credit Bureau Scores

Just what is a credit score and who are the three main credit bureaus? A good credit score can do the following;

  • Get you a lower interest rate on a home loan
  • Lower your rate on any credit cards you obtain
  • Makes your car payment lower with a better interest rate
  • Get you a better position in your career.

While all of these things may not apply to all people, a great credit score will help you get much lower interest rates for the items that you need to buy. To obtain a credit score, one will need to take a look at all 3 credit bureau scores and see how they stack up to each other.

The 3 scores

There are three main sites that a creditor will check when you are applying for a loan or a credit card. When a creditor contacts one of the three he or she will obtain a FICO score, or a credit score on you and that will help them determine whether they can do business with you and at what terms. The 3 credit bureau scores portray certain details about the customer, but certainly do not tell us everything.

Who are the 3 main credit bureaus? The main three that are utilized by most creditors are TransUnion, Experian and Equifax. All three of them are a little bit different and it is common for a creditor to really like the relationship that they have established with one over the other and may never use the other two. All three of them have the information that is needed but just like working with any other establishment, someone has a preference with one over the other.

All 3 credit bureau scores are sometimes looked at by many creditors to see if one has some information that is not included with another site. Not all information is included in the same way on all three sites. However, it is important that if you are intending to make a major purchase and take a loan out that you do your own check on all three sites to get all 3 credit scores. Sometimes there are mistakes on a credit report that may get you turned down for credit. It is so important to take a look at everything so that there is nothing on there that does not apply to you.

There is an opportunity to get a free copy of your credit scores at all three credit bureaus once per year. If you have an ongoing problem, or already know that your credit is not where it should be, you can purchase a monthly option that will let you check your report any time you wish. This is important to be able to raise your lower score so that you can qualify for lower interest rates when you decide to purchase a home or a car.

How to Appeal

If when you check your credit report and get all 3 credit bureau scores and find that there are errors listed, you can ask the credit bureau to check out your claims and to notify you in the event that they determine that a mistake has been made and then those mistakes can be removed. Once you notify the credit bureau that a mistake has been made, it usually takes about two weeks for the investigation. In addition, if there are negatives on your report and you have paid the creditor you may request from the creditor that he or she remove the error from your credit report. Be proactive and stay on top of your own credit.