Credit reports

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SCORE is a Resource Partner with the U.S. Small Business Administration
With sponsorship support from the Ewing Marion Kauffman Foundation

Your Credit Report

Your personal credit report should be checked yearly to verify that it is correct. You will especially want to check it before submitting a business plan/loan application. You are entitled to one free copy of your personal credit report each year, from each of the three major credit reporting companies. Request a report from each one. Your spouse/significant other should also request reports. You may wish to space the requests throughout the year in order to have a more frequent look at the information. Reports can be requested by toll free phone call. Via the internet, get a free copy of your credit report from www.annualcreditreport.com Reports are delivered online - super fast, super easy. The site also includes information on ordering your free copies by phone or by mail. For general credit report information, see the companies web sites.

Review the information on the reports for accuracy. A majority of credit reports will have some kind of error. When you get the report online, it will include a link for reporting the errors.

Experian

1-800-422-4879 or 1-800-682-7654
http://www.experian.com

Trans Union

1-800-888-4213
http://www.transunion.com

Equifax

1-800-685-1111
http://www.equifax.com