This is very essential step you have to do. First order a copy from all the major three credit reporting agencies (Experian, Equifax and TransUnion). So you have three credit reports can compare your credit score. Even the different agencies credit score vary is very low.
For instance,
- Experian = Credit Score 650
- Equifax= Credit Score 375
- TransUnion= Credit Score 655
You can see the big problem with Equifax credit reporting agent. According to the US Fair Credit Reporting Act (FCRA), the major credit agencies are responsible for correcting or reducing any flaws and errors in their credit reports. The FCRA therefore, enables you to directly contact these credit reporting agencies, and formally relay your complaints.
