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.
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.
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.
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 identity theft. Learn more about identity theft and what to do if you’re a victim here.