where to get a credit report?

[striped sweater]

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if you have no credit history, how do you get a report or statement to that effect? any links to sites or methods of accomplishing this would be appreciated. when a school requests a report, does the credit company send it to the school? or does the student requesting it send it to the school? thanks.

 

[Uegis]

www.annualcreditreport.com

Starting last year, everyone is allowed a free credit report from each of the three largest credit bureaus. But the time of availiability of the report is dependent on the state you are from. You can also pay for a more complete report, and most people will tell you to get one from the top three there.

On a similar note, is the free one sufficient for schools, like MCW, who explicitly wants a report ASAP?

 

[EL CAPeeeTAN]

Hey you can get a copy of you official Credit Report at this link. General there are 3 credit reporting companies Transworld and a couple of others. This site will enables you to pay and get an official credit report from all 3 agencies just as if a crdit card company would get your credit report. I think most schools that pull credit reports pull from all 3 agencies that report. Usually all 3 have the same information on a persons credit. I hope that this helps. Even if you lack credit these agency will still generate a credit score on you and it may be low because you lack credit history but the schools will see you have a lower credit score due to lack of credit history not to deliquent payments. A credit score in the high 600s or 700s is considered great credit. mid to low 500s is considered aq bad credit score.

www.qspace.com

or
http://qspace.iplace.com/cobrands/331/default.asp?sourceid=&af=&br=&cl=

 

[pratik7]

the 3 companies are transunion, experian and equifax. A report from anyone of these should suffice for MCW. Note you do not need to get all 3 unless specifically asked to

 

[striped sweater]

so is it okay to just send a printout of an online credit report to the medical school? or do you need to request that one be sent to the school? sheesh... why can't the school just request it if they want it!