1. You can request free credit reports through the federally authorized AnnualCreditReport.com site.
You can request free credit reports through the federally authorized AnnualCreditReport.com site. This step should be verified against the institution or agency involved in your situation. Requirements can vary, and a careful comparison is more useful than applying quickly.
2. Banks, card issuers, or paid services may provide scores based on different models.
Banks, card issuers, or paid services may provide scores based on different models. This step should be verified against the institution or agency involved in your situation. Requirements can vary, and a careful comparison is more useful than applying quickly.
3. Checking your own report does not reduce your score.
Checking your own report does not reduce your score. This step should be verified against the institution or agency involved in your situation. Requirements can vary, and a careful comparison is more useful than applying quickly.
4. Report errors through the bureau and the company that supplied the information.
Report errors through the bureau and the company that supplied the information. This step should be verified against the institution or agency involved in your situation. Requirements can vary, and a careful comparison is more useful than applying quickly.
What to do next
Write down the requirements, costs, and deadlines that apply to you. Use official channels for applications and never send sensitive personal information in response to an unsolicited message.
Sources
- https://www.annualcreditreport.com/
- https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/
Use our neutral product overview after you understand the basics.
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