Can I one of my credit report from other companies?

You can also sell a copy of your credit report from companies that contract with the rating agencies their products. Many of these products are available on the Internet. Some companies sell a merged version of all three reports. They also provide credit monitoring services, to make activity on your report, like all new credit accounts, the placement of negative information, inquiries from creditors, and so on.

Now that federal law, the "big three" credit bureaus require any offer you a free credit report per year, the company will again sell credit reports no doubt be more aggressive than they currently soliciting your business. Ask yourself if you really need to spend money to get a copy of your credit report, now it's free reports are available nationwide from the major credit bureaus. Be sure to check these companies and their offers carefully. Do your homework before signing on the dotted line.

And not for the promise of "credit repair services" and "credit doctors" if advertising on television and the Internet. The vast majority of these services are ineffective and illegal. For more information on credit repair services in the next section.