Free Credit Report? Yes, Every Year!

Maintaining a healthy credit profile is essential for financial well-being, and one of the most effective ways to do that is by regularly reviewing your credit report. Federal law makes this easy by entitling you to one free credit report every 12 months from each of the three major credit reporting bureaus:

1.      Equifax

2.      Experian

3.      TransUnion

Where to Get Your Free Reports

To access your reports, visit AnnualCreditReport.com. This is the only website authorized by the federal government to provide free annual credit reports.

Why You Should Check Your Credit Report

Reviewing your credit report regularly is important. Here’s why:

• Detect Identity Theft Early

  • Spot unauthorized accounts or suspicious activity.

• Correct Errors

  • Ensure your credit history is accurate and up to date.

• Monitor Your Credit Health

  • Understand how lenders view your creditworthiness.

Will Checking My Credit Report Affect My Score?

No. Checking your own credit report does not impact your credit score. This is considered a “soft inquiry” and is completely safe.