Reviewing your credit reports for errors is one of the simplest ways to enhance your ability to get credit. It can also help you spot signs of identity theft, such as unauthorized lines of credit opened in your name.
Federal law provides that you can obtain a free credit report once a year, but credit-reporting companies allow consumers to request free copies of their credit report on a weekly basis.
While credit reports do not contain your credit score, they provide essential information that can significantly affect your credit score.
To obtain your credit reports, you need to visit annualcreditreport.com or call 1-877-322-8228, which requires personal identifying information to verify your identity.
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