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- Experian, Equifax and Trans Union are the three major credit
- reporting companies. To see how you are rated, you must
- request an order form. Forms are obtained by making a request
- over the telephone, in writing or over the Internet. A small
- fee, generally not exceeding $15, will be charged. If you
- have been denied credit, employment, or insurance over the
- past 60 days, you can request a copy at no cost by sending
- a copy of your credit denial letter. Once the credit report
- is received, be sure to review it carefully. Many credit
- reports contain mistakes. If you find errors, write to the
- reporting agency immediately. Request that any incorrect
- information be verified and corrected. Verifications and
- corrections must be handled within 30 days from the time
- the request is made.