Check Your Credit Report

A federal law allows you a free, once-a-year look at your credit report so you can check for errors before they cause financial trouble. Since your credit history affects everything from your ability to get a reasonable loan rate or land a job, it’s important to keep your report as clean as possible.

It pays to check your credit report and request the correction of errors before you’re wrongly denied credit. Your report could be flawed with false accounts, late payments or other delinquencies due to identify theft or information mix-ups. Even if your report is clean it may be helpful to learn your credit score, especially if you’re shopping for a house or other large purchase affected by your score. You can request your score for a fee at the time your order your free credit report.

Through the Annual Credit Report Request Service, you can request a free copy from each of the three major credit-reporting agencies—Equifax, Experian and TransUnion- once every 12 months.

The Annual Credit Report Request Service is your only source for free credit report with no strings attached, so don’t be fooled by other offers. Simply go to www.annualcreditreport.com, a web site sponsored by all three major credit reporting agencies, or call 1.877.322.8228 to request your free credit report.