Where Can I Find Out How to Read My Three Bureau Credit Reports Online?

In the United States, the three major consumer credit reporting bureaus are TransUnion, Equifax and Experian. These companies collect information about how you've paid your bills and managed your finances and use it to generate your credit reports and credit score. Federal law enables you to request one free credit report from each of the bureaus every 12 months. Being able to check your credit report allows you to dispute errors, such as late payments or accounts that do not belong to you, that may damage your credit score and hinder your ability to obtain such things as a loan, life insurance or a job.

Instructions

1

Go to the Annual Credit Report website (see the Resources section). According to the Federal Trade Commission, this is the only website authorized to provide your free annual credit reports.

2

Select your home state from the menu on the left-hand side of the site and click "Request Report."

3

Complete the requested information needed to obtain your credit report. You must include your name, address and Social Security number. If you have moved within the past two years, you will have to include your prior address as well.

4

Select all three credit bureaus when asked which credit reports you want to receive. You will be able to download and check your credit reports from each bureau online within minutes. If you would like to check your credit history three times per year, you may do so by ordering one from a different bureau every time. This will help you keep a closer eye on your credit history.