It’s available through April 2021, from the three main credit reporting agencies: Equifax, Experian and TransUnion.
The report includes information about your credit and payment history.
It’s used when you apply for loans or new credit.
You want to check for any errors or signs of fraud that could ultimately impact your credit score.
- Identity errors, such as a wrong name or address
- New accounts you didn’t open
- Account status, for example payments that incorrectly show as late
- Account balance and limit errors
Dispute any errors as soon as possible.
Through the years, 5 On Your Side’s Monica Laliberte has recommended using the one free credit report available annually, from each of the three credit reporting agencies.
The advice was to get one every four months.
For the next year though, you can access it more often.
Your credit report does not include your credit score. If you want access to your free credit score, consider alternative services provided by credit card issuers.
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