How to Obtain a Free Yearly Credit Report

Checking your credit report regularly is important. Your credit report is used by all lenders when you apply for credit. Lenders assess your suitability for credit based upon your credit history. A good payment record and not exceeding your credit limits increases you credit rating. Obtaining a free yearly credit report enables you to check for errors and look to see where you could improve your credit rating. You are entitled to get a free yearly credit report from the three official credit reference bureaus: Equifax, Experian and TransUnion. Together the three companies sponsor AnnualCreditReport.com.

Instructions

1

Apply online to AnnualCreditReport.com, listed in Resources, to obtain a free yearly credit report. Its fast, simple, and you can view your credit reports instantly.

2

Select your state using the drop-down box to continue to obtain your free yearly credit report. Click Request Report. Enter your personal details accurately. Incorrect information will delay access.

3

Enter the alphanumerical security code into the box at the bottom of the page. Click Continue. Choose the credit report you want to view. You can obtain a free yearly credit report from all three credit reporting bureaus. Click Continue. Wait for your information to be verified.

4

Create a login name, password and a password reminder. Click Submit. You can now check your chosen credit reports.