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Credit report copy can be obtained from any or all of the three national credit reporting agencies that gather the information. If your installment debts consist entirely of amounts owed to large lenders—major credit card companies, banks, automobile manufacturers' finance companies—chances are you only need to obtain a report from a single agency.

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If you want a quick check of your credit report and score from just one of the three national credit bureaus you can get it but if you owe money or have recently paid off credit obligations to smaller creditors you should obtain credit reports from all three companies. The reason, said Storm, is that "creditors pay money to the reporting agencies to list your credit information. Most large companies report to all three agencies, but smaller companies may only report to one or two of them."

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