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Check up on your credit every year

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Did you ever apply for credit and were refused? There may be something on your credit report that’s holding you back. But it might not all be accurate. Checking your credit report at least once a year helps you know what’s there – and keeps you on track for a healthier financial future.

Visit to get your free credit report from each of the three major reporting agencies: Equifax, Experian and TransUnion. The law entitles you to a free copy from each one every 12 months. If you’re getting ready to finance a big purchase, like a home or car, you might want to check all three. Or you can stagger them, and review one every four months. Always review it carefully. If you find errors, take these steps:



If you find things on your credit report are correct, just bad for your credit, you can work on fixing it yourself. It takes time and patience, but you can do it. And then, after six to nine months of working on it, get another credit report from to see where you stand.


To learn more about your credit report and credit scores, check out this video.



Blog Topics: 
Money & Credit


I requested and received my annual credit report, however I only got TransUnion and Equifax, I know that the third credit agency did not appear in my report. Is there some way for me to rectify this?
Also, I have a Macy's credit card, and always pay on time and more than the minimum. I had a $1600 limit, and out of nowhere they sent me a letter telling me that my limit got lowered to $200. I called and was told it must be something in my credit report. I am never late, I don't get it. Any ideas.

When you fill out the form to request your credit reports at, you can choose to get one, two or all three reports.

If you didn't get the report you want, you can request it. The law entitles you to one free copy of your report from each credit reporting company once every 12 months. 

Many department store cards are issued from the same bank. Your credit card utilization and payment on one card can significantly effect your other cards especially a department store card from a different store but issued by the same bank. Read the small print on the bottom of your statements to see the issuing bank. Also credit card companies constantly run credit checks to see the worthiness or likelihood with their algorithms to be paid back. If you don't use the card they will lower your limit.

I need to have an idea about my rating.

Need credit check

Appreciate your information on credit reports. They seem to wield a great deal of power and yet are not always up to date or accurate. When I first started looking at credit reports a few years ago, I was shocked at the inaccuracies re the personal information. Getting corrections made was a long, slow process. At least one of them has a piece of information that is not accurate. Some folks would say it was like "pulling teeth" to get information updated or corrected. I don't understand why they have so much influence and so little responsibility for accuracy. Even when given the correct information, there appeared to be great reluctance to make corrections. Some of the information they listed on me seemed to be "pulled from thin air". Please do keep telling people to check these annual credit reports. We need to protect ourselves from the inaccuracies.

Interestingly, Your credit report and your FICO score differ greatly from one reporting agency to another. Then they penalize you when someone requests your credit information. We recently applied for a mortgage, and our scores and FICo were affected adversely by the number of inquiries that were made. Some were from financial firms and some were not. We did get our mortgage but I have very little respect for any credit score, information, or FICO number. Our accounts for 30 years have been without any problems.

I found my last name was misspelled on one report. They were hesitant to fix the problem. Told me to contact the long paid account, that I don't even remember much about it. Addresses were all correct. It wasn't a pleasant experience and it was only one credit report not all three of them.

I've been told by many that these three agencies make their reports difficult to understand and are misleading. Why is that happening?

If you visit and get your free credit reports, and have questions, you can read the FTC article about free credit reports or look at information from the Consumer Financial Protection Bureau.

Is your online secure site down? After submitting all my info last night and this morning, the site constantly responds with a try again message.

I have heard that checking your credit score lowers it...does that happen when utilizing

Checking your credit report does not lower your score. Please see Credit Scores for more informaiton.

Very synchronistic message for my husband and myself hrrr. We checked our credit score with the three sources for the reason why our credit score was lower than a feet months ago. My husband had received a message from one of our credit cards that advised that one of the three credit reporting companies had received a charge for someone who was not us, and we also checked the information about our residences over the many years that we have been married, and the erroneous information on that credit reporting company includeded an address in a state that we have never lived in, with an amount of $500.00 and some, from a debt collection agency. My husband called the credit reporting company and inquired as to the nature of this debt collection company, and also informed the reporting company that the company had false information about us and we want our credit score restored to what it was, and we insisted that the credit reporting company investigate the issue immediately along with a notation that we are disputing the information, and that this specific situation is under investigation by the credit reporting company. The company told my husband that it would be resolved within a month.

Personally, I am very sceptical about the "reliability of the reporting company that this entire situation is even authentic;" I think that the company doesn't even explore whether or not the information that is sent to them is accurate or not! Just take the word of a "debt collection agency," and not send anything to us. Remember, we never would have seen this for a long while; our own credit card company informed us that our credit score was lower recently!!!

Therefore, please take care of your credit score and follow the serious advice from the FTC. Thank you for sending this email to us.

Verizon wireless screwed up my once great credit scores.
I got a defective phone from them. I plugged it in and the next morning the phone was hot to touch after I charged it. I was back at their local store within 24 hours after I received my so called "upgrade".
I went back to the Verizon store and they gave me an envelope to return the defective phone. I mailed the phone through my local post office and received a tracking number. I tracked it along the way and saw that it left my post office and it was received on the other end by Verizon's warehouse in Texas. This is been going on for years. I have called Verizon's CEOs, supervisors, PRs, everybody and anybody for years to try to resolve this. They've yet to try to correct their mistake. It's been hell. They've ruined my credit and my life. My credit used to be 'excellent" and now I'm in the fair/poor shaded area.
Shame on this Company!
How do I straighten this out?

Under the Fair Credit Reporting Act, both the credit reporting company and the information provider (the company that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.

This FTC article tells more about disputing errors on your credit report.

I recently went with my husband to purchase a car. The car was being bought with my credit. The process went well until the dealership received a message from Experian there was a hold on my credit. (Freeze was placed on my credit information) We spent over an hour trying to reach Experian only to be told they had no information connected to my social and my name. I could not go through with the purchase under my name. The dealership showed me my credit score from Equifax and all was good.

I checked online today and was only able to access TransUnion for my free credit report. Everything looks accurate.I was told to access the free report from Experian and Equifax I need to mail a form and copies of SS# drivers license...

Experian was supposed to call me back when I requested a supervisor... no return call.

I do not feel comfortable mailing the documents Equifax and Experian request for access to my free credit report. But I need to understand how I can find out about the Freeze on my Experian report.

Any ideas of how we can get this straightened out?

This FTC article explains that you need to give personal information to get your free credit report.

To order your report, visit, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

A credit freeze is a tool you use to stop people from seeing your credit report. You can put a freeze on your credit by calling the three credit reporting companies. The freeze stays in effect until you ask the credit reporting company to lift it. There might be a cost to place or lift the freeze.

Excellent!Useful and diverse info. Thank you. As usual a great job. \

The truth is, these three agencies have enough power to make or break someone's credit, and apparently do not care if the information is correct or not and they are always pushing for you to pay a monthly fee for them to play watchdog and let you know if there has been anything detrimental showing up on your report. I spent 9 months to have one item removed from my credit report that had no business being there. I want to know who governs them and maybe they should be fined for adding harmful information that is not correct and now you are faced with a very long tedious battle to get erroneous information removed. We are all putting up with robo calls, scammers in your face every time you turn around, making sure passwords are changed every six months on dozens of sites, threatening phone calls some individuals have received , checking bank accounts and charge accounts for accuracy, and for many of us work a 40 plus hour week and we are the ones who are supposed to fix mistakes made by these three agencies who answer to no one. Wrong. Had to vent and at the same time I appreciate all the FTC does to protect us. I encourage everyone to sign up for the blog and have written latest updates on a word press blog to at least let people know about the latest developments FTC provides. Thank you

I tried to request my Transunion free credit report online. The security question to authenticate me as the owner of my account related to incorrect information I disputed in 2014. Transunion removed the incorrect information from my credit report in 2014, it wasn't there in 2015 or 2016. The security question response should be "none of the above" but that response caused my online account through to locked out. I just requested my credit report via phone. How do I get TranUnion to fix an incorrect security question from disputed credit information? Transunion phone numbers don't reach a human being. The phone service is set up to provide automated replies to common questions, and this is not a common question!

If you find a mistake on your credit report, you can dispute it. Read about disputing errors on credit reports.

It's important to know what site to use to get your free credit report. Under federal law,, is the only website that lets you order one free copy of your report from each nationwide credit reporting companies every 12 months.

Other websites might say they offer free credit reports, or use names that look alike, but they are not part of the legally required free annual credit report program.

I need to check my credit rating

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