Whether you’re car shopping, applying for a job, looking for a home, or just getting your finances in order, your credit report plays a big role. It’s a snapshot of your financial history, including how you pay your bills, your personal accounts, and even bankruptcy filings. Lenders, employers, and landlords often review it before making decisions.
How to Get Your Free Credit Report
According to the Federal Trade Commission, you’re entitled to one free credit report every 12 months from each of the three major credit reporting companies: Equifax, TransUnion, and Experian.
To request yours: Visit AnnualCreditReport.com or call 1-877-322-8228.
You’ll need to provide your name, address, Social Security number, and date of birth.
What to Do If Something Looks Wrong
Errors happen. If you spot incorrect information, contact both the credit reporting company and the business that provided the data to get it corrected.
Extra Protection
Consider freezing your credit to prevent new accounts from being opened in your name. Learn more at ftc.gov/creditfreeze
For identity theft resources, visit ftc.gov/idtheft
Checking your credit report regularly is a simple step that can help you stay in control of your financial future.