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Learn2 Clean Up Your Credit Report (continued)

Obtain your credit report

There are several credit reporting agencies, each with a potentially varied account of your credit history. And since each lender may employ different ones, it's recommended to request credit reports from at least two or three different agencies.

In the U.S., the most popular credit reporting agencies, known as "the big three," are Equifax, Trans Union, and Experian. Each has a toll-free number available by calling information, and a website, accessible by typing the name of the company into an Internet search engine. To get more information or learn about agencies and policies in other countries, visit a local library, or try one of these options:

A bank. Ask the loan officer what agency the bank uses and how to contact it.

A credit card. Call the phone number on the back of your card and ask for the name and address of the agency the company uses.

The Internet. By typing "credit report" into an Internet search engine, you'll find sites that list names and addresses of agencies, and online services that offer instant credit reports if you pay by credit card.

A credit counseling service. A good service will not only get your report, but will also provide education on how to read and fix it. When looking for a service, choose a not-for-profit one whose primary goal is education. Look in the yellow pages under "credit and debt counseling services," or type the same into an Internet search engine. Also, you can usually get a referral to one through your bank's loan officer, your accountant, or a financial advisor.

When you send a letter of request to a credit agency, include:

• Your full name

• Your date of birth

• Places of residence for the last five years

• Your social security number

• Day and evening phone numbers

• Your signature

• A copy of your driver's license, a utility bill, or another document that reflects your name and current address