- There are 3 nationwide credit bureaus (Equifax, Experian, and TransUnion). You can obtain a free credit report from each credit bureau once every 12 months. Order your free reports online at www.annualcreditreport.com, download the Annual Credit Report Request form to mail in your request, or call (877) 322-8228.
- To monitor your credit reports year round, you can order your report from a different credit bureau every four months. There are also a few commercial services that will monitor your credit reports at no charge.
- You have the right to freeze access to your credit reports. This is an effective way to reduce your risk of identity theft. A security freeze locks your credit file, preventing others from getting new credit using your name or identity.
- Obtain copies of your other consumer reports covering insurance claims, tenant history, check writing history, employment, and medical conditions.