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


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
  • Collections
  • 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.