How to Check Credit and Background

It is important to check your credit and background history. Each time you apply for a line of credit, lenders check your credit rating. The higher the number, the better your chances of obtaining credit. Your rating also affects the terms and interest rates offered. You are entitled to a free copy of your credit report annually. You can check your credit and background, check for errors and see areas for improvement.

Instructions

1

Apply online at AnnualCreditReport.com to check your credit and background history.

2

Click the box to select your state, then click "Request Report." Carefully enter your personal details in the application form. Errors invalidate your application to check your credit and background history. Retype the alpha-numeric security code into the box at the bottom of the page.

3

Click "Continue." Review your application form and click "Continue." Wait for your identity to be verified.

4

Click "Continue." Enter a login ID, password and password reminder. Click "Continue."

5

View your credit report online instantly. Your report details all your current and past credit history.

6

Check the report for errors. Report any to the credit reference bureau to get them corrected.