How To Check Your Credit History

Checking your credit history is important to do on a regular basis. If you do not check your credit history, you take the risk of not knowing what is being reported about you or allowing someone to steal your identity without your knowledge. Checking your credit history can help save you money, too. You may be paying higher interest rates than you need to for your auto loans and credit cards based on incorrect information that is on your credit report. Keep reading to find out how to check your credit history.

Get a Free Credit Report

The three major credit bureaus provide a credit history report which, according to the FACT Act, you are entitled to receive for free once each year. These are TransUnion, Equifax, and Experian. To check your credit history and receive a free credit report from each of the three bureaus, go online to www.annualcreditreport.com or call 1-877-322-8228. You can also request it by mail from:  

Annual Credit Report Request Service,P.O. Box 105281, Atlanta, GA 30348-5281

Check Your Credit History for Accuracy

Once you have your credit report, you will see a list of accounts that you have had in the past and accounts that you currently have. Each account will show a payment history and status along with certain personal information including your name or former name, address, and your past or present employer(s). Carefully check the information for accuracy. If your credit report contains inaccurate information, follow the steps provided to correct it.

You can also obtain a free copy of your credit report if you have recently been denied credit. You will receive a letter in the mail telling you which information was used to make the decision along with instructions on how to obtain your free credit report. You must respond to this type of offer within a specified time frame, so be sure to read the entire letter and carefully follow the instructions in a timely manner.

Even if you know that your credit history and score are good, order a credit report from all three credit bureaus at least once a year. This will help you to protect yourself from fraud, identity theft, and other unpleasant surprises that could ruin your chances of obtaining mortgages, car loans, or other types of credit. Checking your credit can be done online, by phone, or by mail. Choose which method is best for you and order your credit report.


View all 3 of your FREE Credit Scores

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