Under U.S. law, you have a right to get your credit report for free once every 12 months from each of the three major credit bureaus -- Equifax, Experian and TransUnion -- and correct any mistakes you find on them. The credit reports include information on where you live, how much you owe on credit cards and loans, and how well you've met the agreed payment schedule for those cards and loans.
The three major bureaus have set up a centralized way to order reports from one, two or all three of them, and you can make the request online, by phone or in writing. Here's how to contact them:
- Online: http://annualcreditreport.com
- Phone: 1-877-322-8228
- Mail: Print out this form, complete it, and mail it to the address on the form
Some people prefer to get an update once every four months by staggering their requests. If you request a free report from one bureau today, a second bureau in four months and the third bureau in eight months, you'll be getting more regular updates on your credit.
If you're a LifeLock Ultimate® member, this is one of the many things we handle for you. Just log into your LifeLock account to see your annual credit reports, along with annual credit scores and a monthly update of your TransUnion score.
Learn more about these free reports, along with what to do if you find errors on them, from the Federal Trade Commission's Free Credit Reports page.