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People need a credit report for several reasons. Some need it to view
their credit history while others use it to determine a person's
capacity to pay for loans. The information found in a credit report
contains the financial background of a person such as his payment
history and past and existing debts among other things. It's like a
person's financial diary that contains data on how he pays his bills and
loans.
While
a credit report may be given to individuals and financial institutions
for a fee, a free report can be requested annually. The Fair Credit
Reporting Act in the US has allowed major credit reporting companies to
provide a free report to anyone who requests it once every year. If
you're a US citizen, therefore, you are entitled to this yearly benefit
so long as you ask for it.
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In the US, major players that offer
reliable credit history reports are Equifax, TransUnion and Experian.
These agencies are required to grant a free report to an individual who
requests it once yearly. Any US citizen can request this online at a
site called Annual Credit Report or visit the offices of any of these
companies.