How to Check Your Credit Report

The three major credit bureaus, Experian, TransUnion and Equifax, maintain a credit file on every consumer. On each credit report is information about your your payment history as it relates to debts, past and present. Potential lenders use this information to consider your creditworthiness. Checking your credit report is your responsibility and is a first step toward financial freedom and security.

Step 1

Request a free copy online. Each credit bureau is required to provide you with one free annual copy of your credit report. Visit annualcreditreport.com to submit your request and receive your reports instantly.

Step 2

Request a copy by phone by calling (877)-322-8228. You will need to provide identifying information. Once your information is verified, your reports will be mailed to you within 15 days.

Step 3

Maintain accurate records. Place each credit report you receive in a binder or other file system. Check your newest reports against the previous years and document any inaccurate information. Highlight any errors or mistakes so you can easily reference the report later. Document and record any communication you have concerning your credit report with the credit bureaus or creditors.

Step 4

Report mistakes. Register a complaint online with each credit bureau that shows inaccurate information. If you choose, you can send the complaint certified mail. A paper trail is important in case follow-up becomes necessary. Credit agencies have 30 days to obtain validity of the entry on the report, or they need to delete it.