Staying on top of your credit report is key to making sure you stay in good financial shape and haven’t had your identity stolen.
Luckily, there are a few different ways to get free credit reports pretty much any time you want to see them. In this article, we’ll show you what your options are.
You Can Get Your Free Credit Report From These Sources
It’s possible to get your free credit report or reports in a matter of minutes. You just need to know where to go and be prepared to prove you are who you say you are.
Quick Links: How to Get a Free Credit Report
- Why It’s So Important to Check Your Credit Report
- How to Get Your Credit Reports from AnnualCreditReport.com
- How to Get Your Free Credit Reports Directly From the Credit Bureaus
- How to Get Your Free Credit Report From Credit Karma
- What to Do If You Find an Error on Your Credit Report
Why It’s So Important to Check Your Credit Report Periodically
It’s important to periodically check your credit reports to make sure everything is accurate and that there are no mistakes. The credit bureaus often make errors, so you want to make sure they have everything right.
Checking your credit reports is also the best way to check for any unauthorized activity. You may not even realize someone has gotten their hands on your information until you find an unauthorized bill or account in your name on your credit report.
Identity theft and other mistakes can really throw your financial life into disarray, so it’s crucial that you keep up with your reports.
Credit Reports vs. Credit Score
Your credit reports include all the details on your credit accounts, both current and closed. The reports track payments and other information for every loan, credit card and any other line of credit you have.
Your credit score, on the other hand, is a number based on your credit history and activity.
How to Get Your Credit Reports from AnnualCreditReport.com
If you’re looking to get your credit reports from all three major credit reporting bureaus (Equifax, Experian and TransUnion), your first stop should probably be AnnualCreditReport.com. It’s important to review all three reports because they may not all contain the same information.
By law, you are entitled to one free copy of your credit report from each of the bureaus per year and this site is the only place authorized by the federal government to give you access to all three at once.
In order to get your reports, you will need to fill out some personal information — including your Social Security number — select the reports you want, and then request and review each report. If you have access to a printer, you can print your reports for viewing later.
Note that you may have to answer some additional security questions about past places of residence and old accounts you may have had in order to get access to your…
Read More: How to Get a Free Credit Report