How to Check Credit Report

by Heather Topham Wood ; Updated July 27, 2017

It is a good habit to regularly check your credit report to review your credit score and look for any changes that may affect your credit rating. Also, people who are worried about suspicious activity can also view their credit report to inform authorities about potential identity theft and put a fraud alert on the credit report. Luckily you can check your credit report for free through various credit reporting agencies.

Step 1

Go to the Annual Credit Report website (see Resources). This site is backed by the Federal Trade Commission and provides free annual credit reports to those who request one. If you need more frequent credit reports, you will have to pay a modest fee.

Step 2

Provide your social security number, full name, address and date of birth. If you request your credit report online, you will be redirected to a secure page on Annual Credit Report to give this information.

Step 3

Choose the credit reporting agencies that you want to receive a report from. The three central credit report providers include Equifax, Experian and TransUnion. You should opt to receive a credit report from all three agencies. You can also visit each agency’s individual website to check your credit report.

Step 4

Check your credit report by sending in an annual credit report request form to the Annual Credit Report Request Service. You can download the site from their website and mail it to Annual Credit Report Request, PO Box 105281, Atlanta, Georgia 30348. You will then receive a copy of your credit report via mail.

Step 5

Call to check you credit report. The final option that you have is to contact Annual Credit Report by phone. Call 1-877-322-8228 and follow the prompts to receive your credit report.

About the Author

Heather Topham Wood is a seasoned writer whose work has appeared in numerous publications, including USA Today, Gadgetell, Feel Rich and Step in Style. Heather is a published novelist with six Amazon bestsellers and a contract through Crescent Moon Press. She holds a bachelor's degree in English from TCNJ.

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