How to Get and Use Your Free Annual Credit Reports
Get what you are entitled to
Your credit report is a vital report that can significantly impact your financial life. It shows lenders, landlords, and others your credit history, including key items such as your payment history and credit utilization. If you are planning to apply for a loan, mortgage, or any form of credit, your credit report will play a significant role in determining whether you get approved or not, and at what interest rate.
For this reason, it’s essential to keep tabs on your credit report to ensure that everything is accurate. You can access your credit report for free once a year from each of the three major credit bureaus (Equifax, TransUnion, and Experian) through AnnualCreditReport.com.
Here’s how to get and use your free annual credit reports:
Step 1: Go to AnnualCreditReport.com
AnnualCreditReport.com is the only website authorized by the government to provide free credit reports. Beware of other websites that claim to offer free credit reports but may end up charging you for services or subscriptions.
Step 2: Enter your personal information
Once you are on the AnnualCreditReport.com homepage, click on the “Request your free credit reports” button, then fill in…
