Free credit report

Keeping track of your credit score is very important. Your credit score can affect your ability to obtain credit, insurance and employment. Your credit can negatively be affected by unauthorized inquires and fraudulent activities. Monitoring your credit is one of the best ways to spot identity theft. Therefore is highly recommended to check your credit by obtaining a credit report.

www.AnnualCreditReport.com is the only authorized source for the free annual credit report that's yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months. If you prefer to order your free credit report by phone you could call 1-877-322-8228.

When ordering your free credit report you have the option to request all three reports at once or to order one report at a time.  By requesting the reports separately, you can monitor your credit more frequently throughout the year.