You are here

It Pays to Check Your Credit Report

Share this page

The FTC recently completed its fifth national study on the accuracy and completeness of consumer credit reports. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Overall, one in five people who participated in the survey found at least one potentially significant error on at least one of their credit reports that was subsequently corrected by Experian, Equifax, or TransUnion. The good news: After completing the dispute process, some people saw improvement in their credit score. A higher credit score means you’re likely less of a risk, and in turn, means you’ll be more likely to get credit – or pay less for it.

So you see, it can pay to check your credit report. It doesn’t take much time, and you can do it for free.


If you notice something wrong, contact the credit reporting company and business providing the information to correct the error. You want to make sure everything is accurate – especially before you buy a  house or a car, or apply for a job.

So take a few minutes to review your credit report today. It may save you some money and frustration.

Blog Topics: 
Money & Credit


I HAVE (in the past 7-8 yrs) ,received civil warrants and also been notified even during the past 2-3,months. That I have ran up ,$$ with all of my stolen information, I am and definitely whomever or whoALL have stolen my idendity WILL PAY, I do have an Attourneys.,& I honestly have an about a 85-90%, exeact idea of Who/Whom have done this horrible crime to my private information.

Family members, including one that has lived with me. Friends of family members that know we are out of town. The police have been in my room for whatever reason. All of our computers are gone. I still do not have one. For political purposes, specific individuals have used my life. Phone is still not working properly or something is not right with me. All is just speculation, but I still plan to get justice. People have stolen glassware, telephones, clothing. Watching your email to see what you purchases. Bthis is a jealous person who has been in my room for sharing pictures.

What do you do if you request free credit report and they never send it?
what do you do when you REfill and Resend the form and ...once more, they never send you your "free credit report"?
And...I still want my "free report"!

i have exactly the same problem. But apparently it's nobody's job to actually answer questions on this blog. And it doesn't seem possible to get past the robo attendant if you call annual credit report. So what are we supposed to do?

To get your credit report instantly, go to, select your state, and then click, "Request report." Once you have answered the questions, your report will be availble to you online right away. You can then print the report if you want a hardcopy. If you would like to make a complaint about the service you've receieved when trying to order your credit report, you can use the annualcreditreport comment form:

I just want a credit report

if a debt is no longer on credit report and the statue of limitation is considered "time barred" why do these so called mean collectors keep calling? Talk mean threats and lieing about being sued in court and BETTER gte in touch with these so called debt collectors. They even call by non human talking its a recording. How does one stop the harassing calls and letters? If its not on my credit report it does not exist.

After I enter my info attempting to check on my credit score, then they ask for my Credit Card info which I don't want to reveal, why do they ask for this if my report is FREE??

If you are using the official site for getting your free credit report,, then you shouldn't be asked to provide credit card information to get your report. However, your free credit report doesn't include a credit score. 

This is vital for consumers out there who wanted to know their credit report.

i wil like to no what my credit is

want to know what my cradit score is that is it

i need to know my credit report

Get your free credit report at By federal law, you are entitled to one free copy of your credit report once a year from each of the three nationwide credit reporting bureaus. Watch this FTC video to learn more.

i just want my free credit score!!

Leave a Comment