Checking Your Credit Report

The free credit reporting act (FCRA) stipulates that the three major credit agencies provide you with a free copy of your credit report once a year. Reviewing your credit report routinely assists you in insuring the accuracy of your report as well as protecting against identify theft. We recommend that every four months you request a copy of your report from a different agency. In this manner, you can monitor what each agency has on file about you and stay more closely attuned to what’s happening in your file.

Under the law, only annualcreditreport.com is required to fulfill the requests for free credit reports. To get started, go to: www.annualcreditreport.com/index.action.

Simply follow the instructions on this website.

Month Company Resources
January Experian For help on reading the Experian report, please click here
May Equifax For help on reading the Equifax report, please click here
September Transunion For help on reading the Equifax report, please click here

Additional information about FCRA can be found at: Consumer Financial Protection Bureau: click here for an article. Federal Trade Commission: click here for an article.