There are 3 national credit reporting bureaus. Some creditors report consumer activity to all 3 bureaus, while other creditors report to just one. Some entities may not report your credit activity at all. Before making an important financial decision such as buying a house or car, it is wise to review your credit report in advance. This will allow you time to resolve any outstanding issues before you request credit be extended. Additionally, many feel it is wise to examine their credit report prior to applying for a job or insurance.

There are different types of reports, all the way from a single report reflecting only that repository's data, all the way to a tri-merged, 3-bureau report complete with credit score. A CCCS counselor can help you evaluate which report is appropriate for you.

The link below further explains credit report options, and allows you to order your report online. For a one-on-one Credit Report Review session where your report can be pulled and explained by a certified credit report reviewer, call (800) 249-2227 for an appointment.