3 Credit Report

Where To Get Your 3 Credit Report

Although there are three large credit reference agencies or credit reference bureaus, getting your 3 in 1 credit report can now be ordered through one central, official website.

Credit reference companies will still continue to gather information about your credit, credit card credit, loan or mortgage activities. However, each credit reference agency or credit bureau will obtain their information from different sources. Hence, it is recommended that you obtain all 3 credit reports from them to get an accurate account of the data each credit reference agency hold about you.

There is no need to approach all three credit reference agencies or credit bureaus separately. Whether you require a free annual credit report US or, your free credit report Uk, you must now order these as follows.

Ordering Your Three Credit Reports

To order your free credit reports, you will need to visit the central, official website - annualcreditreport.com (US).

To order your 3 in 1 credit report UK - annualcreditreport.co.uk

annualcreditreport.co.uk is operated by Credit Reporting Agency Limited, a registered credit reference agency in England - by the Office of Fair Trading. They are also registered with the Office of the Information Commissioner and are therefore authorised. They are located at:

13 High Cross
Truro, Cornwall

(You may contact them by email via their website: annualcreditreport.co.uk)

You will find further information on credit reports and getting your 3 free credit reports here. Once you have requested and received your three credit reports, you can check them for any inaccuracies or incomplete information.

Should you feel there is cause to dispute any of the information contained in one or all 3 credit reports, you must write to the credit reference agency or credit bureau concerned, to give notice of the items you are disputing. This credit report dispute article will tell you what you need to do.

Buy Credit Report

Why buy a credit report when you can get 3 credit reports for free?

There are are certain instances where you might need to obtain a second copy of one or more of your 3 in 1 credit report. In certain circumstances you will be eligible for a further free credit report. For example, if identify theft or fraud has been committed against you, if you are unemployed but are actively seeking employment or if there is any inaccurate information held against you that is adversely affecting your credit, credit card credit, loan or mortgage applications.

In all other instances, you will be expected to buy second copies of credit reports.

You can buy a copy of your report:

  • annualcreditreport.co.uk
  • annualcreditreport.com (US) or:

  • Equifax: 800-685-1111; www.equifax.com

  • Experian: 888-EXPERIAN (888-397-3742); www.experian.com

  • Trans Union: 800-916-8800; www.transunion.com

    The content on this site is purely for information purposes only and is not intended to replace your seeking professional financial advice.

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