Access your Credit report

  • Annual Free Reports: Get a free annual credit report from Equifax, Experian, and TransUnion at
  • 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!