How to Check a Credit Record

Remember to check your credit record annually.

Make sure you check your credit record often. Your credit record is held by three credit reporting bureaus: Equifax, Experian and TransUnion. The information may be different in each report so get all three. Lenders check a credit report each time credit is applied for. They use the information in the report, plus the credit score, to assess suitability for credit. Poor credit records result in applications being declined. Checking a credit record gives you the opportunity to find errors that may affect your credit. You can also work out ways to improve your record.

Difficulty:

Easy

Instructions

1. Apply online to AnnualCreditReport.com (see Resources). You can check all three credit records for free once per year. AnnualCreditReport.com is sponsored by the three credit reporting bureaus. It is the only official website where you can check a credit report for free.

2. Use the drop-down box to select your state. Click the button "Request Report." Enter your details in the application form. Check your entries carefully. This information is used to identify you. If inaccurate information is entered you will not be able to check your credit record.

3. Retype the alphanumerical security code at the base of the application form into the box. Click "Continue." Select the credit record you want to check. You can check all three records. Click "Continue." Your information and identity will be verified. If correct you will be asked to enter a login name and create a password and password reminder. Click "Enter." You can now check you credit records instantly.

Tips & Warnings

• You can obtain your credit reports by mail. Go to AnnualCreditReport.com. Click "Request Report by Mail." Print the application form, complete it. then mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

• You can also get your reports by telephoning 1-877-322-8228. Have your Social Security number and other personal details nearby.

• You can also get your credit reports direct from Experian, TransUnion and Equifax. All usually charge a fee. Check each website for details: they may have special offers.

• If you see an error in your report, report it directly to the credit reporting bureau (see Resources).

References

• Federal Trade Commission: Your Access to Free Credit Reports

Resources

• AnnualCreditReport.com: Request Report
• Federal Trade Commission: How to Dispute Credit Report Errors