How do I find a credit reporting agency that has my credit report?

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Here are the top 3 credit agencies in the United States (known as the Big 3):

To make things even easier, you can grab a copy of your credit report from each, every year, for free!

If you go to Annual Credit Report, you can retrieve them in a main area. Each credit bureau also will direct you to the same URL for your free credit report.

What isn’t in your free credit report?

The main item that will not be in your free credit report is your credit score. This is unique to each agency, but holds a very similar algorithm. However, your credit score is considered a premium product.