How to check your credit report for free

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  1. You may have decided to buy a house, a car, or just take out a small loan. You want the lowest interest rate possible, so it’s important to have a good credit score. If you know what is on your credit report, you can correct mistakes or know what you need to improve. The first step is to be objective in why you are requesting a credit report. Do you suspect someone has stolen your identity, or are you just wondering if NOW is the time to take out that loan?
  2. The next step is to visit www.annualcreditreport.com where you can access your credit report once a year, for free.
  3. When you go to www.annualcreditreport.com you are asked to select your state. Then the next screen will require personal information. Type in all the required fields and click the button at the bottom of the page. The next page will have a series of questions to verify your identity. You must answer these questions correctly to proceed. The questions are usually about previous loans or payment amounts.
  4. So now you will choose from 3 different credit reports. Transunion, Experian, and Equifax. You can only access one report at a time. select which one and proceed. It will then navigate to the report page and you will then submit the required information. You will then be able to access your credit information based on that credit reporter.
  5. Check the report for accuracy. The last thing you want is a mistake on your credit report. Once you have reviewed this report, you can go back and select the other reports. I wouldn’t advise checking all three. The reason being, you only get 1 free credit report every year. If you leave these other two open, you can access those half-way through the year. We all know that errors can occur in less than a year, so it is a good idea to leave those open for future checking. Banks will charge a high interest rate for those who have a bad credit report. Some employers check your report, so in turn a bad credit report can keep you from getting a job. Feel free to print the report so that you can file it for future viewing.
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