Checking Your Credit Report

Credit reports contain your credit history as recorded by credit bureaus. In the United States, you are entitled to a free credit report from each of the three major bureaus every 12 months. That means every four months, you should be checking your report with one of the agencies to make sure your history is being reported accurately. Credit reports are what determine your credit score. Checking your report, consequently, is a free way to keep on top of how lenders see you.

Go to https://www.annualcreditreport.com/ to retrieve your credit reports from the three major bureaus: Experian, TransUnion, and Equifax.