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There are three major credit reporting companies: Equifax, Experian, and TransUnion. Obtaining your credit report is as easy as calling or going to the internet and requesting one.

It's a good idea to get copies from all three companies to ensure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, may be charged to issue credit reports but some states permit citizens to acquire a free one (see related links).

?Once you receive the report, it's important to verify its accuracy. Double-check the "high credit limit," "total loan," and "past due" columns.  If you find an error, contact the credit reportin company directly to dispute it.

You are allowed to get 1 free credit report from Experian, TransUnion and Equifax once every 12 months.  To request your free credit report under the FACT Act, you can go to www.annualcreditreport.com.

Contact the reporting companies at the numbers listed for more information:

Equifax 1-800-685-1111

Experian 1-888-397-3742

TransUnion 1-800-916-8800