Are you looking to get your credit report, but not sure how to go about it? Whether you’re trying to build your credit or just want to make sure everything’s in order, here are five easy steps to getting your free credit report and score without wasting time.
Step 1: Look Up Your Credit Report Online
Now that you know what a credit report is and what it can do for you, the next step is finding out where your credit report is and how to get it.
Credit reports are compiled by credit bureaus, which collect data on how borrowers use their credit. Every time a borrower takes out a loan or opens up a new account, he or she provides the lender with personal information including his Social Security Number and address. The lender then checks the borrower’s creditworthiness by pulling his or her credit report from one of the major Credit bureaus.
Step 2: Check Your Credit Score
You can get your credit score for by going to on the rise solutions. The reports provided by these sites are completely and you don’t need a credit card. You may also want to request your report from the major credit bureaus. It’s good to check all of them because they sometimes have different information on file. If you find any errors, dispute them with the credit bureau that reported them so that they can investigate them for accuracy.
Step 3: Enter Your Personal Information
1. Enter your personal information. This includes your name, address, and social security number. You will also need to enter the last four digits of any credit card you have. The last four digits of a credit card are also called a security code.
2. Enter your email address for account updates and alerts about your credit report, if you want one.
3. Check the box that says I agree to credit’s Terms of Use. Then click on the blue Submit Request button at the bottom of the page.
4. Once you submit your request, credit will send an email confirming your request was received. It can take up to two days for this email to arrive in your inbox (depending on how long it takes them to process).
Step 4: Request Free Copies Of Your Credit Reports
You’re now one step closer to understanding your credit report. Next, you need to request a free copy of each report from each of the three credit bureaus. This can be done online or by phone. When you fill out the form, be sure to provide all of the requested information so that they know who is requesting them. You’ll want them to match your name and address with what they have on file. You may also need to provide some proof of identification such as a driver’s license number or social security number. The credit bureaus should respond within 15 days with your free reports.
Step 5: Double Check Information
Once you have your report, make sure that the information is accurate and up-to-date. You can do this by looking at your credit score and making sure that everything matches what it should be. If there are any errors, you will want to fix them as soon as possible. Checking for errors may also help you spot a potential identity theft issue if one exists. If so, notify the credit reporting agency and law enforcement immediately.
The good news is that most of these errors can be fixed by contacting the three credit bureaus directly. To do this, just look up the contact information on their website or ask customer service. However, it’s best to try to avoid mistakes in the first place. Avoid opening too many credit cards or loans in a short period of time as this could affect your credit rating. Be sure to check all your statements from banks and other lenders every month so that you can spot errors before they become serious problems!
