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Applying for an online credit report is easy

The Internet has made it easy for consumers to obtain an online credit report. The major companies that provide this service online include Equifax, Experian and Trans Union. From the comfort of your home or office you can make an application. You can also obtain a credit score which will show you what creditors know about your past credit history. It is important that you know what the reporting companies have in their files about you.

If you are seeking an online credit report for the first time then you will receive it free of charge. By US law the credit reporting companies will allow you to receive a free credit report once every 12 months beginning in December 2004. Some states may not be included until September 2005. The basic information you'll receive will show where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Be sure to take advantage of this free service and keep yourself informed.