The three main consumer credit reporting companies are Equifax, Experian, and TransUnion. You can get one free credit report from each of these companies one time per year. You can get them all at one time or you can get one from Equifax now and another from Experian in four months and then another four months after that from TransUnion to be able to maintain your credit throughout the year. This is a good idea if there is nothing concerning you on your report that needs immediate attention. It should also be noted that not all creditors report to all credit companies all the time. So something that is on one credit companies report may not be on another credit companies report.
Cal’s Credit Tips
Ratio of Balance Owed to High Credit Limit Worksheet Excel File
Ratio of Balance Owed to High Credit Limit Worksheet PDF