I’ve seen a lot of talk on personal finance blogs about buying credit scores and credit reports. If you don’t care what your credit score number is and just want to make sure everything on your actual credit file disclosure (commonly referred to as a credit report) is accurate this post is for you.
Don’t Pay For a Credit Report If You Don’t Want Your Score
If you live in the United States you are entitled to one free credit report each year from the three credit reporting bureaus, Experian, Equifax and Transunion. This report will not include your credit score but will contain all of the information that they use to calculate your credit score so it is imperative you verify that everything is correct and nothing seems out of line.
Since you essentially can receive 3 reports a year (one from each bureau) I pull one every four months just in case an identity thief ever tries to take over my identity. You can also pull all three at one time if you’d like. Whichever way you pull your reports I highly recommend setting up a reminder on your calendar application of choice a year from each credit report pull. This way you won’t forget when you can pull it again. Let’s continue to how to pull your free annual credit report.
1) Go to AnnualCreditReport.com and select your state from the drop down menu. Click Request Report.
2) Enter all requested information and click CONTINUE.
3) Select one or more credit reporting companies you wish to pull your credit report from and click NEXT. (From this point forward I will be going through the steps for Experian.)
4) Click NEXT like the website says…
5) Enter the last four digits of your social security number and click submit.
6) Click Annual Credit Report
7) Click Submit
8) Answer the Identity Verification Questions and click CONTINUE. I have whited out my questions to protect my personal information. You will see questions and multiple choice answers next to each number.
9) View your Report Summary. To see your entire report on one page click the Print Your Report link under Credit Report Toolkit.
Congratulations! You now have successfully pulled your credit report! Look through the report and make sure you don’t see any erroneous information. If you do make sure to report it. I found an incorrect address listed and promptly reported it.
When was the last time you pulled your credit report? Did you find anything that was wrong?