How to Run a Free Credit Check

You should check your credit report at least once a year. Running a free credit check ensures that you keep up to date with the way lenders view you, and allows you to be certain there are no mistakes in your credit history. It enables you to correct errors and to identify areas where your credit rating could be improved.

You are entitled to get a free credit report annually from the three official credit reference agencies in the U.S: Equifax, Experian and TransUnion. They sponsor the official website where the free annual credit report can be obtained.

Instructions

1

Get your free credit check by applying online. It's fast and simple. You can choose to view your report online, and you can also have it mailed. Click on the link "AnnualCreditReport.com" in the resources section. You will be taken to the correct page.

2

Click the dropdown box. Select your state, click "Request Report." Complete the application form in the new window. Accuracy at this stage is important. Incorrect or invalid details will mean your identity cannot be verified. You will not be able to continue until these are correct. Make sure you have any previous address details nearby if you have lived in your present home for less than two years.

3

Click "continue." Follow the online instructions. Your identity will be verified. Details regarding how to access your online report will be given. If you request your report by mail it will arrive in a week to 10 days.