Credit has become an integral part of our lives as it makes it possible for us to obtain good or services on credit, without which we would have otherwise not been able to afford them on our own.

In this regard, maintaining a good credit report is essential as it is the basis of every credit decisions.

Your credit report will reflect your credit worthiness in the eyes of lenders and it is the only report used to determine whether you'll get a credit and on what terms.

A typical credit report may contain personal profiles like social security information, spouse information, mortgage, tax liens, court judgment and even bankruptcies. Essential informations such your bank account numbers, bank balances and payment history are also included in your credit report.

The federal law requires each of the three credit report agencies, namely namely Equifax, Trans Union, Experian - formerly known as TRW, to provide free credit report to every eligible US citizen on a yearly basis.

The easiest way to get a TRW Free Credit Report by visiting their website at http://www.experian.com.

It is absolutely free and there are no credit card numbers or fees required. Experian also allows you to access your credit report online for free!

If you wish to contact Experian by mail, the contact address is by region:

East:
3 Lear Jet Lane, Suite 200
Latham, NY 12210

Midwest:
949 West Bond Street
Lincoln, NE 68521

South:
5909 Peachtree Dunwoody Road NE
Suite 1000
Atlanta, GA 30328

West:
475 Anton Blvd.
Costa Mesa, CA 92626

Alternatively, you could order a free credit report via phone at 1-888-397-3742.

This report is now known as an Experian Credit Report since Experian bought out TRW and the crediting components of its parent company. Thus, they are essentially the same reports, only with a different name.

This report will show detailed information about how you pay your creditors and will be used as reference by various credit institutions in the evaluation of your credit application.

In order to better manage your finances, it’s advisable to monitor your credit report on a regular basis for any discrepancy or possible fraud, preferably once a year, by getting a TRW Free Credit Report you're entitled to by law.