Checking Your Credit Report

Each year, you can get one free copy of your credit report from each of the three credit reporting agencies—Equifax, TransUnion, and Experian. You can request the reports all at once, but it makes sense to spread them out over the year. That way, you can spot problems shortly after they happen.

You can request your credit reports online at www.annualcreditreport.com Links to an external site..

It’s not just lenders who look at your scores. Landlords do, and so do insurance companies. And, if you give them permission, potential employers can look at your credit report. So the way you use credit affects a lot more than being able to borrow.

Credit reports also include other publicly available information that might affect your creditworthiness, like divorce proceedings, bankruptcies, tax problems, and court judgments.

 

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