How To Check Your Bureau Credit Reports

Introduction

A lot of people wander around wondering what their credit report has to say about them because they think that they have to pay to get a copy of their credit report from the credit bureau. However, you should know that you don’t have to pay for either credit monitoring services or for your credit report. You can, in fact, check your credit report for free and stay up to date with any changes that you need to know about. This is good news because you want to be safe and know that you, in reality, have excellent credit to use whenever and wherever you may need to do so.

Step 1

It is really easy to contact the credit bureau to get a copy of your credit report. You can find them at AnnualCreditReport.com. This is actually something that you can do from the comfort of your own home at any time of the day or night. However, you will want to make sure that you only contact the credit bureau from a secure computer, one that isn’t shared with anyone that you don’t know.

Step 2

Whenever you get to the credit bureau web site you’ll want to click on the drop down box that is located on your screen. Herein you need to find the state that you live in. Another way in which to do this is to simply type in the first 2 letters of your state before hitting your enter key. Now click on the request report box and fill in the fields (i.e. name, address, social security number and captcha code) on the following page.

Step 3

The credit bureau will allow you to choose from the 3 main credit agencies, which include TransUnion, Experian and Equifax. Simply click on which one you’re interested in seeing the credit report from. It is a good idea to pull the credit report that you didn’t pull last year. Once you choose the credit bureau whose report you’re interested in, you may have to fill in some information for them as well.

Step 4

Make sure that your printer is turned on. This is important since you will want to print out your credit report once you get it from the credit bureau. Of course, if you don’t have a printer, you can always view it online but it’s best to print it so that you can go over it really closely and carefully.

Step 5

It is a good idea to make a note of which credit report you received from the credit bureau and when you did so. This way you can repeat this process next year with ease since you’ll know for sure what you did last year and the date upon which you actually did it. Make sure that you choose to get a different credit bureau from a different credit reporting agency than y6ou did this year. The reason why this is important is that you may actually find that there are some slightly different items found in each of the 3 different reports.

Tips

Remember that you're only allowed one credit report per year from each of the 3 credit bureaus.

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