How to Order a Credit Report Online
Federal law requires the three major credit reporting bureaus make your credit report available to you for free once every 12 months. Many financial experts recommend reviewing your credit report throughout the year. Keeping abreast of changes to your credit file can help you to raise or maintain your credit score. Your credit score is a numerical score based on your credit report that is used by lenders to determine your credit worthiness. Changes to your credit report could result in a lowering of your credit score, which can affect the likelihood of you being approved for credit.
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Instructions
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Visit the Annual Credit Report website. Select your state from the drop-down menu and click "Request Report."
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Enter the requested personal information. Information you are required to provide includes your name, Social Security number and date of birth. Enter the CAPTCHA code and click "Continue."
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Select the credit reporting bureaus from which you would like to order a credit report. Click "Next" to be redirected to the website of the first credit reporting bureau.
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Review your credit report. You can also download and print the credit report so that you can review it at a later time. Click "Return to Annual Credit Report" when you are finished.
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Select the next credit reporting bureau to review your next credit report.
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Tips & Warnings
You do not need to retrieve all three credit reports from each credit reporting bureau at one time. You can opt to review the credit report from one bureau every four months. Doing so allows you to monitor your credit file throughout the year. Check only the box next to the first credit report, review the report and print it out. In four months, you can return and review the report from the next bureau. Compare the first report against subsequent reports for any changes.
A copy of your credit report from the three credit reporting bureaus can also be obtained by calling 1-877-322-8228. Be prepared to provide your Social Security number and date of birth.
