Free Credit Report

Checking your Credit Report regularly can help you make good financial decisions and detect signs of identity theft early. View your free Credit Report anytime to understand how you might look to a lender.

No credit card required

 

Why is my Credit Report important?

Your Credit Report provides information for lenders and others about how you make payments, your current and past credit mix, and whether your accounts are (or have been) in good standing. This information can help determine the terms you’re offered when you seek out new or more credit.

 

What is included in a Credit Report?
  • Personal identifying information: Your full name along with variations that have been used, current and past addresses, date of birth, social security numbers and its variations, and employer information
  • Accounts: Revolving credit and/or installment loans including account status, contact information, credit limits or loan amounts, recent payments, and individual or joint responsibility
  • Payment information: Monthly payment information on all accounts
  • Public records: Including bankruptcies, tax liens, and civil judgments
  • Debts: Debts owed on all accounts including mortgages, credit cards, and auto loans
  • Hard inquiries: Every time you apply for credit, a “hard inquiry” is placed on your Credit Report
  • Negative information: Including late payments, collections, settled accounts, repossession or voluntary surrender, charge offs, and other derogatory items.
How often is my Credit Report updated?

In general, creditors send information to the credit reporting agencies on a monthly basis, but the day of the month that the organization sends its updates varies. Different creditors submit information throughout the month, which then shows on your Credit Report.