How to pull, save and send your credit reports for a free credit review

At AnalyticalIQ Solutions, we help consumers better understand their credit reports and identify potential issues that may be affecting their credit profile.
To perform a meaningful free credit review, we need copies of your credit reports from all three major Credit Reporting Agencies (CRAs): Experian, Equifax, and TransUnion. These reports can be obtained free of charge through AnnualCreditReport.com.

Before You Begin:

For the best results, we strongly recommend using a desktop or laptop computer when obtaining and saving your credit reports.
Using a computer makes it easier to:

• Save complete PDF copies of your reports
• Verify page orientation settings
• Ensure no information is cut off
• Submit clear, readable files for review

Identity Verification Questions As part of the process, AnnualCreditReport.com and the credit reporting agencies may ask security questions to verify your identity before providing access to your credit reports.
These questions may relate to:

• Previous addresses
• Vehicle loans
• Mortgage information
• Student loans
• Credit cards
• Other information associated with your credit file

This identity verification process is normal and is designed to help protect your credit information from fraud and unauthorized access.
If you do not pass the identity verification process online, you may be asked to request your report through an alternative verification method provided by the CRA.

Step 1: Visit AnnualCreditReport.com
AnnualCreditReport.com is the official website that allows consumers to obtain copies of their credit reports from Experian, Equifax, and TransUnion at no cost.
Request your free reports from:

• Experian
• Equifax
• TransUnion

There is no charge to obtain these reports through AnnualCreditReport.com.

Important: Save Each Report Immediately⚠  Save each credit report as a PDF BEFORE moving on to the next report.

Many consumers request all three reports and then discover they cannot easily return to a previous report screen. To avoid losing access to a report, save each report immediately after viewing it.

Recommended process:

1. Open the Experian report.
2. Save the Experian report as a PDF.
3. Open the Equifax report.
4. Save the Equifax report as a PDF.
5. Open the TransUnion report.
6. Save the TransUnion report as a PDF (LANDSCAPE).

Do not wait until the end to save all three reports.

Important PDF Orientation Settings
Please save each report using the following settings:
✅ Experian = Portrait
✅ Equifax = Portrait
🚨 TransUnion = LANDSCAPE 🚨
Many TransUnion reports may not display correctly when saved in portrait orientation. Saving the TransUnion report in landscape mode helps ensure important information is not cut off.
After saving each PDF, briefly open the file and verify that all pages are visible and readable.

Step 2: Name Your Files For easier organization, please use the following format:

• Experian_FirstName_LastName.pdf
• Equifax_FirstName_LastName.pdf
• TransUnion_FirstName_LastName.pdf

Example:

• Experian_John_Smith.pdf
• Equifax_John_Smith.pdf
• TransUnion_John_Smith.pdf

Step 3: Submit Your Reports
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Once all three reports have been saved, submit the PDF files using the instructions provided by AnalyticalIQ Solutions.

Why We Request All Three Reports For the purposes of your free credit review, we request separate reports from Experian, Equifax, and TransUnion.

Reviewing each CRA report individually allows us to identify reporting differences, inconsistencies, and potential issues that may require further investigation.

Many consumers assume the three CRAs contain identical information. In reality, account details, balances, payment histories, dates, remarks, and other information may differ from one CRA to another.

A complete review requires examining all three reports individually and comparing the information reported by each CRA.

Important Disclosure: A free credit review is educational in nature and is designed to help consumers better understand the information appearing on their credit reports.

AnalyticalIQ Solutions does not guarantee the removal of any information from a credit report and does not provide legal advice.

Questions? If you have questions about obtaining, saving, or submitting your credit reports, please contact AnalyticalIQ Solutions for assistance.

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