In order to successfully understand, diagnose, and improve your credit rating, you must start by getting a copy of your credit report that reflects all 3 credit reporting agencies data. Many online providers such as Credit Karma only offer 2 of the 3 credit reporting agencies. Others offer just ONE.
I personally recommend my favorite source for credit reports which allows you the opportunity to get your reports from Experian, Equifax, AND TransUnion! Better yet, you can monitor your credit and get updated reports monthly — and it comes with a $1 TRIAL!
A second option is AnnualCreditReport.com which offers all 3 reports for free once per year. You will not be given a score nor will you have the option to monitor your reports.
