Your credit report shows all of your debt and your payment history in one place. Each year you are eligible for a free credit report from each of the three credit bureaus. Review your credit report to make sure that everything being reported on your report is accurate. You can request your free credit report from the 3 credit bureaus once a year online from annualcreditreport.com, by calling 1-877-322-8228, or through the mail by filling out this form and mailing it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
What is a credit score? Good question! A credit score is a three digit number, personal to you, that ranges from 300 to 850 depending on how likely you would be able to repay money that you borrow.
For more information on credit scores and why your credit score is important go here. You can purchase your credit score through the three major credit bureaus websites. You can also do this with trusted websites such as annualcreditreport.com. You should only purchase your score through trusted companies.