Ordering your Free Annual Credit Report:
The process of repairing your credit and improving your FICO credit scores begins with obtaining a current and complete personal credit report and credit history from all three major credit reporting bureaus.

CreditSource123 does not issue credit reports: you can not order credit reports from us. Your free annual credit report can be obtained by going directly to AnnualCreditReport.Com. This is the ONLY web site where you can obtain a truly free credit. According to the Fair and Accurate Credit Transactions Act (FACT ACT), consumers are able to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. The FACT ACT is an amendment to the Fair Credit Reporting Act.

• Following the link to AnnualCreditReport.Com will open a new browser window where you will need to enter your personal information.
• You will need to enter personal information for each credit report you wish to receive.
  Be sure to get all three credit bureau reports.
• IMPORTANT ! Do not forget to print each individual credit report before ordering the next one.
  (ex. print the Experian credit report before you order the TransUnion credit report.)

After obtaining your credit report it is VERY IMPORTANT that you learn how to properly read your credit report, as each credit reporting company displays information in a slightly different manner. Misinterpreting the information and beginning a credit reporting dispute will only hinder your progress and ability to improve your credit score and remove actual derogatory information.

Why do you need to get 3 separate credit reports?
You need to have your personal credit report and credit history from all three major credit reporting bureaus because not every creditor reports to all three credit bureaus. And as with many of our clients, you may find that one credit report only contains partial or inaccurate information that is not represented on the other credit reports.

Once your identified the inaccurate or derogatory information on your credit reports from Experian, Equifax and TransUnion:
use our proven Credit Repair System to remove the those items from your credit report and improve your FICO credit score.

AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies.

The three nationwide consumer credit reporting companies are (Company Information Last Updated May 5, 2008):

Equifax: Equifax Inc. (NYSE: EFX) is a global leader in turning information into intelligence. For businesses, Equifax provides faster and easier ways to find, approve and market to the right customers. For consumers, Equifax offers easier instantaneous ways to buy products or services, and better insight into and management of their personal credit. Headquartered in Atlanta, Equifax reported annual revenue of over $1.2 billion in 2003, and employs over 4,500 employees in 12 countries in North America, Latin America and Europe. Equifax. Information That Empowers.
Learn more about Equifax on their web site

Experian: Experian is a global leader in providing information, analytical tools and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Experian employs around 15,500 people in 36 countries, supporting clients in more than 65 countries. Annual sales are $3.8 billion (£1.9 billion/€2.8 billion). Experian Group Limited is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Our corporate headquarters are in Dublin, Ireland and we have operational headquarters in Costa Mesa, California and Nottingham, UK. Learn more about Experian on their web site

TransUnion: TransUnion is a leading global information solutions company that customers trust as a business intelligence partner and commerce facilitator. TransUnion offers a broad range of financial products and services that enable customers to manage risk and capitalize on market opportunities. The company uses leading-edge technology coupled with extensive analytical capabilities to combat fraud and facilitate credit transactions between businesses and consumers across multiple markets. Founded in 1968, Chicago-based TransUnion employs 4,100 associates that support clients in 29 countries. Learn more about TransUnion on their web site