I don't think people realize just how simple it can be to check your report! Below, I've taken step-by-step screen shots of each leg of the process: To learn how your credit score is computed, read my anatomy of a credit score. Your credit score is a single number that serves as a snapshot for your overall creditworthiness, a sort of summary of your entire credit report. When you request your free credit report, you'll also be given a chance to purchase your credit score for about $8. If you suspect an error, read how to dispute credit report errors. People make mistakes, and mistakes on your credit report can cost you money. The credit reporting agencies are not infallible, and neither are your creditors. It's important to obtain a copy of your credit report at regular intervals. Be absolutely certain that you have reached. If you plan to check your report online, be wary of impostor sites. You will need to provide some basic information, including your social security number, and you may need to provide some personal financial information.

Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O.

There are three ways to obtain your credit report: Or, you can stagger your requests, possibly requesting one report every four months from a different agency.

If you'd like, you can obtain reports from all three credit reporting agencies at once. This is an official, government-approved site. There is never a need to go through any other agency to obtain your credit report. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. Your credit score is not an actual component of your credit report. I'd like to know how to get a free copy of my credit report from the agencies.Ī recent federal law gives consumers access to their credit reports however, it costs extra to obtain your credit score. Stay away from the cheesy commercials and catchy jingles. Warning: There are many scam sites that try to rip-off.

How to get online free credit score now