How to Request a Copy of My Credit Report & Score Online

Your credit score, which is based on your credit report, is a very important number because it can determine whether you can rent an apartment, whether you can get a mortgage to buy a house, whether you will be approved for a car loan, and whether you can get a credit card. Credit reports are valuable not only for monitoring your creditworthiness but also for making sure you have not been a victim of identity theft. Requesting a credit report and score on the Internet is a relatively quick process.

Instructions

1

Locate a credit report website on the Internet that is reputable and secure, because you will be required to submit very important personal information. The website annualcreditreport.com, sponsored by Equifax, Experian and TransUnion and authorized by the Federal Trade Commission, will direct you to the free report to which you are entitled by law to receive once every 12 months from each of these leading compilers of consumer credit reports. There are other reputable services, but they will charge for the report.

2

Create an account with the credit report website. You will have to provide your full name, date of birth, current address, previous address, and Social Security number.

3

Provide your billing information. While the reports from Equifax, Experian and TransUnion are free, the actual credit scores are not. Other companies will charge for the credit report too.

4

Choose the reports and score that you wish to receive and submit your order. You will be given a confirmation number and receive a confirmation e-mail at the e-mail address you provided.