Credit Report

KNOW YOUR CREDIT HISTORY
Your credit report contains facts about where you work, live, how you pay your bills, and other credit-related information.  You want to be sure your report is complete and accurate because businesses use it to evaluate your applications for credit, insurance, employment and other purpose.

MAJOR NATIONWIDE CREDIT BUREAUS
Your credit report is maintained by nationwide credit bureaus.  These include:

  • Experian
  • Equifax
  • TransUnion

The law requires each bureau to provide you with a free copy of your credit report once every 12 months if you request it.  (For loan decisions, Gulf States relies on Equifax as its primary credit bureau.)

There are many companies that will say that you can get a free credit report from them but there is always a catch.  The official website for totally free, no strings attached credit report is listed below.

ORDER YOUR FREE CREDIT REPORT
You can request your free credit report in two ways:

Now that you have your free credit report, do you understand it?  Gulf States offers a free analysis of your credit report.  We can explain all those confusing numbers and provide assistance on disputing entries on your credit report.  Call a Loan Specialist for an appointment.  It is our pleasure to help.

More information is available online from the Federal Trade Commission.