Access your Credit report

• Annual Free Reports: Get a free annual credit report from Equifax, Experian, and TransUnion at AnnualCreditReport.com.
• Other Options: Credit reports can also be obtained from these agencies directly, sometimes for a fee.

Key Things to Check on your Credit Report

• Personal Information: Ensure your name, address, Social Security Number, and employment data are correct.
• Credit Accounts: Review all accounts for accuracy in balances and payment history
• Credit Inquiries: Verify that all hard inquiries match your credit applications.
• Public Records: Check for accuracy in any listed legal financial issues like bankruptcies.
• Credit Score: While not always included, knowing your score can be beneficial.

Correcting Errors

• Report inaccuracies to the credit bureau immediately for investigation and correction.

Maintaining Good Credit

• Regular Reviews: Frequently check your credit report to promptly address errors or fraud.
• Good Credit Habits: Timely payments, low credit card balances, and avoiding excessive new accounts help maintain a good credit score.

A well-managed credit report is key to your financial health and borrowing potential. Stay informed and proactive!