Your credit report is divided into four sections: identifying information, credit history, public records, and inquiries.
By law, and at your request, you are entitled to one free credit report from each of the three major credit bureaus listed below once every 12 months. To check your report or obtain a copy do not contact the three nationwide consumer reporting companies individually. Instead, visit www.annualcreditreport.com, call 1-877-322-8228.
By law (under the Fair Credit Reporting Act) you have the right to correct inaccurate information in your credit file. You must dispute your report directly to the credit reporting agency.
Every time someone requests a copy of your credit report, it is noted as an “inquiry” on your credit file. This information is provided when you order a copy of your credit report.