There are three credit bureaus that collect and report information about your credit and payment history. Contact them to get a copy of your report and be sure to find out if you are eligible for a free credit report.You may be eligible for a FREE CREDIT REPORT if:

1. You've been denied credit because of information in your credit report and you request a copy within 60 days of being denied credit
2. You are unemployed and looking for work
3. You receive public assistance
4. You believe your credit report contains errors due to fraud

Equifax
(800) 685-1111
www.equifax.com

Experian (formerly TRW)
(888) 397-3742
www.experian.com

Trans Union LLC
(800) 888-4213, (800) 916-8800
www.tuc.com