Check Your Free Credit Score and Report, Every Year.
Checking your score will not hurt your credit
Why You Should Check Your Credit Every Year
At a bare minimum, it’s recommended you should check your credit report at least once every 12 months. There are a lot of reasons to get it, and here are five:
It’s free. Never pass up a freebie, especially when it enhances your financial health and well-being. Your credit score plays an important part in your credit life and many other financial relationships. Get your credit report.
It’s an important part of rebuilding and simply maintaining good credit. Reviewing your credit report annually will help you make sure you are in good shape when you are ready to apply for new loans and enable you to monitor your progress if you are recovering from past credit problems.
It’s smart to stay on top of your personal finances. You should review your credit scores just like you do your bank statements and credit card bills. Managing credit, keeping track of spending and putting aside savings are all essential to being financially successful.
It’s the best way to tell you might an identity theft victim. If you find names you don’t recognize, Social Security numbers that are not yours, or accounts that aren’t yours, you might be a target of fraud. Experian and the other national credit reporting companies can help you stop the credit fraud and prevent future misuse of your identity.
It’s the first step in correcting any information that looks wrong. The vast majority of the time people find everything is accurate. But if you do find something wrong, your personal credit report comes with instructions for submitting disputes and contact information including a toll-free telephone number, Internet address and mailing address.
See The Bigger Picture
Take Control Of Your Credit
- Check your credit score, the same one lenders see
- See your complete credit report
- Make sure current and closed accounts are accurately reported
- Check for errors and take steps to dispute them
- View years of your borrowing and repayment history
Checking your score does not hurt your credit
The Score That Matters
See the same score the lender see. You’ll see the same score that lenders will see when you apply for a loan or line of credit.
Complete Credit Report
You’ll see your full credit scores from all 3 bureaus detailing your open accounts, borrowing and repayment history, closed accounts, and more.
Up To 7 Years History
Check to see your current, closed, or paid in full accounts are correctly records going back years.