Why You Should View Your Credit Report Every Year

Did you know that under federal law you are entitled to a copy of your annual credit report from all three credit reporting agencies – Experian, Equifax and TransUnion – once every 12 months? By ordering your credit report each year, you can ensure that all of your credit information is correct and up to date, saving you from any future headaches. 

What is a credit report? 

Your credit report is an important document that captures financial information that lenders can use to determine your creditworthiness. This report may include the type of credit accounts, current balances, payment history, and any derogatory items you may have. You will also get a summary of your account totals, total debt, and other personal information. This information can affect your mortgage rates, credit card approvals, and even rental applications! 

To get your annual credit report, click the button below!  

How is this report different from all of the free credit score websites? 

If you’re familiar with websites that offer a free credit score, such as Credit Karma, you’re probably wondering how this free annual report is any different.  While these websites can help you monitor your credit score, it won’t be the same information your lender will see when you go to apply for a loan. If you want a more comprehensive look at your financial health, we recommend ordering a yearly credit report.