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Your free credit report contains information to identify you. Your social security number, date of birth and employment information are held in your credit report.

Although different credit reporting agencies format and report this information differently, all credit reports contain basically the same categories of information.

Read the rest of the article below that answers a few questions you might have about your free credit report..

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I want to protect myself against Identity Theft

I will be making consumer purchases in the near future

I want more "house" for my dollar... or would like to lower my interest payments

I am buying a car and want the lowest interest rate

I am job hunting and want to see what my employer will see

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Although different credit reporting agencies format and report this information differently, all credit reports contain basically the same categories of information. Other information include are where you currently live and other places you have lived in the past, information about how you have paid all of your bills, your criminal background and history, rather you have been sued or not, if you have filed for any bankruptcies, and your previous and/or past employers. It is a true picture of who you really are. Below are a few questions you might need to ask about your free credit report.

How do I get my free credit report?

To get your free credit report you have to first gather your information. You can check your credit report from either of the three companies which are into credit reporting, namely Equifax, Experian and TransUnion, but for that you will have to provide all your information, including the Social Security Number.

You can also call them on their toll-free hotline number of write them a letter, but you have to prepare to wait for between two and three weeks to get a response to your inquiry. Since even a small error can prove to be costly, it is advisable that you check and review your credit report thoroughly. If there are any mistakes, they must be addressed as soon as possible by writing to either of the three companies which are into credit reporting, namely Equifax, Experian and TransUnion. You have to check your annual report. This is a very important step.

My free credit report – What you should know

Your credit payment history is recorded in a file or report. Credit bureaus maintain and sell on these files or reports. If you have ever applied for a credit or charge account, a personal loan, insurance, or a job, you will have a credit record on file at a credit bureau. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy. Most importantly, it is wise to check your credit report frequently for signs of fraud.

How Do I Clean Up My Free Credit Report?

In order to clean up your credit report the first step would be to have an extra copy of your credit report. You also have to carefully watch for what is inaccurate or even out of date. Then you need to apply for that the credit bureaus fix the information. And after you are done with all of this you need to follow up with every credit bureau.

After you have completed this you will need to be acquainted with what the credit agencies are permitted to report and even for the duration that could report.

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