Check your Credit Report & Credit Score for free online

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All Americans are entitled to free credit reports every year from each of the three major credit bureaus. A credit report is simply a rundown of your payment history, listing your accounts, balances and your payment behavior for each. The three major credit-reporting agencies, Equifax, TransUnion and Experian, are each required to provide consumers, upon request, a free copy of their credit report once every 12 months. It’s important to spot and correct inaccuracies as quickly as possible in the credit report.

You can check all three credit reports at one time, or at different times throughout the year. It’s your choice. You can access your credit report information online at

Learn what a credit report and credit score are and how to get your free annual credit report that you are entitled to by law. Your credit report is a file that contains a complete record of your credit history up to the present. Generally, you’ll have one report from each of the 3 credit reporting bureaus – TransUnion, Equifax and Experian. Every time you apply for credit, your prospective lender requests your credit report to decide whether or not to approve your credit application.

Who views your credit report?

Banks and mortgage lenders, car dealers, insurance companies, employers, landlords, retail stores, credit card issuers, even utility and phone companies. These creditors pay the credit reporting bureaus a fee to look at your credit report in order to evaluate how responsible you are. The world wide web makes it easy and safe to get your credit reports and credit scores for free.

To access your reports you must validate your identity, usually by knowing your Social Security numbers and being familiar with your loan accounts. Once your identity is confirmed, your credit reports and scores arrive in seconds through secure online channels. Check all your credit reports carefully for errors and make sure your personal information is correct. Viewing your free credit report is considered the first and best defense against identity theft and fraud.

What’s In Your Credit Report?

There are 4 sections in your free credit report. Each contains one piece of your total credit picture. Carefully check each report for common errors such as misspellings, name confusions, and incorrect information.

1. Personal info (this section lists legal name, alias names, addresses, current and previous employers, date of birth)
2. Account summary (current and past credit status, number of open and closed accounts, balances of accounts, historic high balances, payment history, if accounts are current or delinquent)
3. Public records (bankruptcy records, government court records, liens, judgments and child support records)
4. Credit Inquires (a list of everyone who has requested your report in the last 2 years)

The information found in your credit report can be assessed to generate a number grade – known as a credit score – which sums up what kind of credit risk you are. Even more than your credit report, lenders want a look at your credit score. It’s the simplest, fastest way to determine if you’re a good risk and what kind of interest rate to offer. Credit scores sum up all the information in your credit report and represent your credit “rating.” Your credit score is on a scale from 349 – 849:

* 720 – 850 – Best credit
* 650-720 – Good credit
* 600-650 – Fair credit
* Below 600 – Poor credit

One important reason to check your credit report online is to learn your credit score. A good credit score saves you money because you receive lower interest rates. It’s easier to negotiate for the best loan terms. You may receive preferential rates on other services such as insurance premiums. It is essential to your future financial health that you begin building better credit scores.

Check your Credit Report & Credit Score for free online

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