How to Check My Credit Bureau
Your credit report contains information, such as payment history, outstanding and account balances, which directly affects how much you pay for insurance, whether you qualify for a loan and if an employer considers you for a position. Before applying for a loan, it is important that you to print a copy of your credit report and review it for any discrepancies and inaccuracies. The Fair Credit Reporting Act (FCRA) requires each of the reporting agencies to provide you with a free credit report each year. Errors can be corrected by calling or writing to one of the three reporting agencies: Equifax, TransUnion or Experian.
Other People Are Reading
Instructions
-
-
1
Prepare to offer your personal information, such as name, address, date of birth and social security number. Providing specific information such as the monthly payment amount regarding an open line of credit is also required.
-
2
Visit annualcreditreport.com, a centralized website for all three reporting agencies, to receive a free copy of your credit report as directed by the Federal Trade Commission. Review the website and visit the Frequently Asked Questions portion to address any concerns you may have.
-
-
3
Select the state in which you currently reside by highlighting it in the drop-down menu. Next, place your cursor on the red box and click to request your report.
-
4
Provide the requested personal information. If you have lived at your current residence for less than 2 years, provide your previous address. Enter the security code exactly as it appears in the colored box at the bottom and click continue. Choose the credit reporting agency that you wish to provide you with a report. Check the box beside one of the three agencies and click continue; click next on the following screen.
-
5
Click continue after you reach the page for the credit agency and complete the process by answering a question about an open line of credit you have. This step verifies that an individual without permission is not attempting to access your account. Print your report by clicking on the print button on the screen.
-
1
Tips & Warnings
Printing the report allows you to review it completely. It may be long, so make sure your printer has enough paper and ink. Be sure to follow the directions printed with the report if you suspect an error.
References
- Photo Credit credit 3d sign image by onlinebewerbung.de from Fotolia.com
