Without charge, they will investigate any information you question as inaccurate and send you the results within 30 days. When you check your credit, let them know if any items on the report are inaccurate. Mortgage lenders, for example, will pull your credit history and credit scores from all three agencies to be sure they capture all your open and closed trade lines. It is important that you check all three agencies periodically to be sure that you get a complete picture of credit. This is due in part to the fact that not all lenders report their credit histories to all three agencies. Your credit history and credit score may vary from agency to agency. There are three major credit reporting agencies – Equifax, Experian and Trans Union. How can I get a copy of my credit report?