All U.S. consumers are now entitled to receive one free credit report each year. You may request your free credit report by:

When you receive your credit report, there are three important pieces of information to check:

  1. Identifying information: Name, address, current employment, social security number, date of birth, and spouse’s name.
  2. Debt: Verify that it is yours and that all matters are correctly marked closed or resolved, if applicable.
  3. Payments: Ensure balances are accurate and payment history is correct.