Tips for Arizona Consumers who are Pulling their Credit Reports for the First Time

It’s important for Arizona consumers who want to build and maintain a good credit score to regularly pull and check their credit reports. This will allow you to catch suspicious activity that could indicate identity theft and find errors that might bring down your credit score. If you’ve never checked your credit reports, don’t worry. Now is a good time to start. It won’t cost you anything to request copies of your credit reports from each of the three major reporting bureaus. It’s also fairly simple to make these requests, but there are a few things you should know if you’re pulling your credit reports for the first time. How Arizonians can Simplify the Process for Pulling Credit Reports There is a federal statute known as the Fair and Accurate Credit Transactions Act. It grants you a free copy of your credit report from each of the major reporting bureaus every 12 months. If you have looked at your credit reports in a while, or if it’s your first time pulling them, it’s best to request all three at once. You can go to TransUnion.com, Experian.com, and Equifax.com and request a credit report from each bureau individually. There are online forms on each credit bureau’s website. Or, you can get their addresses and write letters requesting physical copies of your credit reports through the mail. Of course, the most convenient way to get copies of your credit reports from TransUnion, Experian, and Equifax is to go to www.annualcreditreport.com and fill out the easy online form offered here. Credit Report Pulling Prep-Work If you choose to fill out an online...