One of the main reasons of your loan applications disapproval is your unfavourable credit scores. Your credit score plays very important role while availing for loan. In order to keep a check on your score and to maintain them, it is necessary for you to get your free yearly credit report. You should get it on the regular basis so, you know about your credit standing in the financial market.

This credit report is been provided to you by three major credit agencies that is equifax, experian and transunion. While preparing your credit report they consider all your details like your personal details, current borrowings, defaults, etc. All these information are gathered in order to prepare your credit rating. This report also helps you to organize your finance efficiently and keep a check on your credit transactions.

It is advisable to check your credit report once in a year. You must take report from all of these major credit agencies as they make their reports on different parameters. In order to avail your report you just have to make a request to the bureau and they provide you the report.

You can get your personal copy of report by applying to credit reporting agencies. In order to get your credit you have to submit your personal details. You can also get this credit report through internet. There are numerous websites available, who can provide you the credit report. But if you are sending your data online, make sure the website you are viewing should be official.