That’s why it’s important to check your credit report and make sure the information is accurate and up to date before you go for that big mortgage. In a nutshell, credit reports help lenders make decisions that could have huge effects on your life, like where you live, what job you do, and whether you can get that car loan you so desperately need. You should look at your credit report because lenders, employers, utility companies, and more use it to decide if they should offer you: Make sure that the URL is accurate, as many websites slightly misspell it to trick people into using their services. Any other site isn’t part of this government program and may try to charge you for this service. The only site that can give you free, annual credit reports is. However, if you are requesting more than your annual report, allow for a 60-day grace period. If you request your free credit report online, you can access it as soon as you finish filling out the forms. Your state provides you access to more than one free credit report a year.You are unemployed and want to apply for a job.You have placed a fraud alert with a nationwide company if the fraud alert is extended, you can request two free copies of your credit report.You believe that you have been a victim of fraud and your credit report is inaccurate.You’ve received a notice that you were denied something based on your credit report, such as insurance, employment, or credit this covers any “adverse action.”.You may be eligible for more free reports in some cases, such as if: You should check your report before making any major purchases that require loans, when applying for new jobs, or if you think your identity has been stolen. You’re eligible for a free credit report from all three bureaus at least once a year. As you can see, we didn’t need identity theft protection with credit monitoring or credit protection services to get our credit reports for free. address if you’ve lived at your current address less than two yearsĪfter filling out this information, we answered a few identity confirmation questions and then accessed our reports. Current address and if you’ve lived there for two years or more.To get your free credit report, you’ll need to provide some information about yourself, including the following: We recommend the online version, as we looked at our report less than a minute after filling out some basic information. If you’re more traditional, you can also call the Annual Credit Report Request Service or mail your Annual Credit Report Request Form to its Atlanta office. You are entitled to a free credit report from in seconds. Here’s how to get one, how to read it, and more information on credit reports and scores in general. But while many companies advertise that they can get you a credit report, you’re actually entitled to free copies directly from the government. Much like going to the DMV or learning what “escrow” means, knowing your credit scores and reports is a key part of adulthood.
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