Thinking about buying a house? Then think about your credit history...the folks who lend money do! How well you have handled your credit obligations in the past is of utmost importance to lenders today. The good news is that this information, for the most part, is available to you. Your credit history is maintained by three different private companies called credit reporting agencies: Equifax, TransUnion and Experian. Their websites and phone numbers are listed at the end of this article. Everyone can pull their own credit once a year for free at annualcreditreport.com. If you’ve already done that or need to pull it again. You can order your report by phone and charge it to your major credit card if you like. It usually takes about a week to arrive. You can even order your report online directly from each of the three agencies, but they have to verify your identity before you can obtain any private information. By the way, avoid services that offer to obtain all your r...