MONEY · CREDIT
The only official site, step by step
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
THE RULE
All three bureaus give a free report weekly. It became permanent in 2023.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
THE ONLY SITE
The one federally authorized site. Look-alikes try to sell you plans.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
STEP 1
Name, address, birth date and Social Security number.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
STEP 2
Equifax, Experian, TransUnion, or all three at once.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
STEP 3
Download each report and keep it to compare next time.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
CHECK FOR
Also wrong addresses, fake late payments and strange inquiries.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
FOUND AN ERROR?
File with the bureau online. It generally has 30 days to investigate.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
NO SCORE HIT
Looking at your own report never lowers your score.
File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0
FREE U.S. GUIDE
What to look for, how to fix errors, and phone and mail options.
nexgenheadlines.com
Photos: Wikimedia Commons (CC BY / CC BY-SA) and public domain, shown as file photos. General information, not legal or financial advice.