In the United States, you are entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every year. Here’s how to request your free credit report:
- Visit AnnualCreditReport.com. This is the official website for requesting free credit reports, as required by the Fair Credit Reporting Act.
- Follow the prompts to request your credit report. You will be asked to provide some personal information, such as your name, address, and Social Security number, to verify your identity.
- Choose which credit bureau you want to request a report from. You can request a report from all three bureaus at the same time, or you can request a report from one bureau at a time.
- Get your reports online or wait for your credit report to be delivered. It may take a few days for your credit report to be delivered to you by US mail.
It’s important to review your credit report carefully to ensure that the information it contains is accurate. If you find any errors on your credit report, you should contact the credit bureau and request that they be corrected. This can help improve your credit score and may make it easier to obtain loans or credit in the future.