Regularly reviewing your credit report is an important part of keeping up with and improving your credit. But what all goes into a credit report, and how can you order a free one? Here's what you need to know.
How to Order a Free Credit Report
You are entitled to one free credit report from each agency every 12 months. Order one report from a different agency every four months to monitor your credit year-round for free. Each agency may have different credit scores, so check for accuracy and consistency.
To get your free report, visit the three bureaus listed below. Or order a report through www.annualcreditreport.com
What to Review in Your Report
The FICO score in your report has five main factors. Take a look at the chart to see how it breaks down. Then look at the list below to see other items to review in your report.
- Closed accounts
- Public records such as bankruptcies and tax liens
If you see errors on your report, like accounts you didn't open or debts you didn't incur, you may be a victim of identify theft. Learn more about identity theft and what to do if you're a victim here.