Check out your credit report.
Now through December 2023, you can go to www.annualcreditreport.com and get FREE weekly online reports from the three credit reporting agencies — Equifax, Experian, and TransUnion. (Requesting a credit report will not affect your credit score.) It’s good to check your credit report to make sure everything is correct and to monitor for fraudulent activity, especially during these crazy times.
Each report will show your credit history but not your credit score. If you would like to receive your credit score, you can have it added to your report for a small fee.
Once you receive your copy, go through it closely. It will list each credit card and loan you’ve had recently, give a breakdown of your payment history, and show the companies that have reviewed your credit file. If a listing doesn’t make sense, you can call the business and report the inaccuracy to the credit bureaus.
If you see something that makes you suspect that someone is/was stealing your identity, contact all three of the credit reporting agencies immediately.
USING CREDIT – Our learn and plan page about credit might prove helpful.
YOUR CREDIT SCORE – What is yours and what does it mean?
IMPROVING YOUR CREDIT – This is full of tips and advice on getting a better credit score.
DEBT MANAGEMENT – Debt is usually the reason someone’s credit report doesn’t look the way they want it to. Here’s some great info and calculators to help you make the best decisions.