You have the right to get a free copy of your credit report every 12 months from each of the 3 nationwide credit reporting companies. Your credit report may show the first signs that someone has misued your information, so it’s important to check your report a few times a year. Ordering 1 free report every 4 months lets your monitor your file and spot error early.
You can get your free credit report at www.annualcreditreport.com or by calling 1-877-322-8228. You must give your name, address, Social Security number, date of birth, and the answers to questions that only you would know – for example, “How much is your monthly mortgage payment?”. Each credit reporting company may ask you for different information.
To buy a copy of your credit report, including your credit score, contact: