If, for any reason, you need to find out your credit score or to check your credit history, you will need to check credit reports. There are few things that it is necessary to know when you check credit reports. The details will be discussed here. First of all, when you need to check credit reports, you will have to do that with three main credit report agencies. Each of these agencies compiles its own credit data and history, so you will need to check credit reports from all three agencies. There are, however, options to check credit reports as a comparison off all three reports at the same time. This can be done through the website of one of the three credit agencies.
When you check credit reports, you will be given an option to see just your credit history or to see your credit score in addition to your credit history. The second option is preferred when you need to check credit reports. The reason for this is the fact that knowing your credit score will give you an estimate of where you stand on the credit scale. So make sure to include the credit score option when you check credit reports.
Also, when you check credit reports for the first time, you will be given a certain time period during which you can access your reports for free. There will be an initial fee to check credit reports, unless you had your credit request declined. It this case you will be able to check credit reports for free during the 30 days after your request was declined. If you disagree with one or several items after you did check credit reports, you can file a dispute with the credit agency.