Buying a car? Starting for a career? Buying real estate? Or just looking at your credit rating? Then it’s time to look at your credit report.
Great news— it’s free. The law allows you to one copy of free credit report from each of the three nationwide credit reporting companies every year.
Why is it necessary to look at your credit report? It has vital information about your financial accounts, how you pay off your bills, and if you are registered for bankruptcy. You need to make sure everything is correct before you buy a property or a car or apply for a job. If you spot something amiss, call or email the credit reporting service to correct the error.
Checking your credit report can help you safeguard against identity theft. Visit ftc.gov/id theft if you find accounts that aren’t yours.
How do you get your free credit report? Order online from annualcreditreport.com. It the only authorised website for free credit reports, or call 1-877-322-8228. You are required to give your name, address, social security number, and birth date for identity verification.
Remember — you’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. To get your free credit report, visit annualcreditreport.com or call 1-877-322-8228.