How to Request Free Copies of Your Credit Reports
You can get a free copy of your credit report from the three major credit bureaus—Equifax, Experian and TransUnion—by visiting AnnualCreditReport.com.
You’ll need to provide your:
- Legal name.
- Birth date.
- Social Security number.
- Current address.
You might need to provide your previous address if you've moved in the past 2 years.
You'll answer a few questions (this helps verify its really you). Then you'll need to pick which credit reports you want to see.
Basics of Credit Reports and Scores
Your credit reports are statements of your credit history. There are three major bureaus that compile credit reports: Equifax®, Experian® and TransUnion®.
Each credit bureau compiles its own credit reports, so your credit reports may be slightly different.
Keep in mind, your score can differ depending on which credit reporting agency provided the information, the scoring model, the type of loan product, and even the day when it was calculated.
Why Is Credit Important?
It gives lenders an idea of how financially responsible you are.
So the better your credit, the better your chances of qualifying for credit cards, loans, mortgages and other credit products.
How to Check Your Credit Scores for Free—Without Hurting Your Credit
Keep in mind your credit scores don’t actually appear on your credit reports. So what do you do if you want to check your scores?
Depending on your lender, you may be able to find your scores by checking your statement or by logging in to your Capital One account online. You can also get your scores directly from the credit bureaus and credit-scoring companies—but you might have to pay for them.
You don’t have to pay to monitor your credit. Take CreditWise from Capital One, for instance. With CreditWise, you can access your TransUnion credit report and weekly VantageScore 3.0 credit score for free anytime—without negatively impacting your score.
CreditWise is free and available to everyone.
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