How to obtain your credit report

The Fair Credit Reporting Act allows you to receive one free copy of your credit report once a year from each of the three largest credit bureaus in the United States: Equifax, Experian, and TransUnion. To get a free report online, go to their jointly run site, www.annualcreditreport.com.

An example credit report

Be wary of the many Web sites that advertise free credit reports! Many consumers get tricked into paying for reports and services they don’t really need. The only Web site providing your free annual credit report is www.annualcreditreport.com, run jointly by Equifax, Experian, and TransUnion.

Note: When you receive your report, check for mistakes in your name, social security number, former addresses, accounts you didn’t open, and errors in your history.

Click the Next button to learn how to read your credit report.