You can check your credit history for free online by getting a copy of your credit report from the website Annual Credit Report (see Resources below). The three nationwide credit bureaus established the site to offer free credit reports as required by the Fair Credit Reporting Act. The act, which is a federal law, entitles you to three free copies of your credit reports every 12 months, including one from each of the credit bureaus.
Instructions
- 1
Navigate to the website Annual Credit Report. Click on "Request a Report" on the homepage. Follow the prompts to enter your identification and contact information.
2Choose from one of the three credit bureaus: TransUnion, Equifax or Experian. Then follow the prompts as you are directed to the credit bureau's website and asked additional questions to confirm your identity. Answer the questions to see and print your credit report showing your credit history.
3Order your free credit report by phone by calling 877-322-8228 if you don't want to view it online. You can also order by mail by navigating to the Annual Credit Report website (see Resources below). Click on "Request Form." View the form and print it. Then mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
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