Permission must be granted for someone (lenders, lanlords, employers) to pull your credit reports.
FREE CREDIT REPORTS - Trial offer
Because the credit bureaus collect and distribute your personal information, you have the right to check that what they are distributing is in fact correct. By law, you are allowed one copy of your credit report from each of the big three credit bureaus annually.You can obtain your free credit reports by visiting www.annualcreditreports.com. While these reports don't contain your credit score, they do contain the information that goes into creating it. We can give you pointers on how to both obtain and understand your credit reports.
HOW TO READ AND UNDERSTAND YOUR CREDIT REPORTS
Once you understand the format of your credit report, it will be easier for you to understand the information contained within it. While not all credit reports list their information in the same order, they generally contain the same basic sections: View Sample ReportGet Your Free Credit Reports Today
The first step in trying to repair your credit reports or monitor your reports is to get an up-to-date copy of your reports. This will allow you to determine where you are with your credit health and help you realize where you want to be.