FREE Credit Reports. Federal law allows you to:
- Get a free copy of your credit report every 12 months from each credit reporting company.
- Ensure that the information on all of your credit reports is correct and up to date.
- Visit annualcreditreport.com to obtain your free annual credit report today.
Your credit reports matter.
- Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
- Reviewing credit reports helps you catch signs of identity theft early.
If you find inaccuracies on your credit report you should:
- Dispute the inaccurate information directly with the consumer reporting agency and maybe even with the provider of the information.
- Tell them in writing what you believe is inaccurate and provide as much proof, including copies of documents, as you can to support your position.
- Visit ftc.gov for additional information on how to correct errors found on your credit report.