Everyone is entitled to one free credit report each year from each of the three major credit reporting agencies, which are: [tag]Equifax[/tag] Information Services, P.O. Box 740241, Atlanta, Ga. 30374, 800-685-1111, www.equifax.com. [tag]Experian[/tag], P.O. Box 2104, Allen, Texas 75013, 888-397-3642, www.experian.com. [tag]TransUnion[/tag] Corp., P.O. Box 390, Springfield, Pa. 19064, 800-916-8800, www.transunion.com.

A [tag]credit report[/tag] is a sort of fiscal fitness statement of your credit habits. It names your credit accounts, identifies them by type and tracks balances, credit limits, payments, available credit, open-or-closed status and other information that reveals how well or how poorly you pay each account. The report also documents credit requests and notices of liens, judgments and other “derogatory” remarks, remarks from the consumer, and other information.

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