Credit Score
Credit Reports
Your credit reports are the underlying records that credit scores are built from. Reviewing them regularly is one of the simplest ways to spot errors and signs of fraud.
What is on a credit report
- Personal identifiers like name, addresses, and date of birth
- Open and closed credit accounts with balances, limits, and payment status
- Collections, charge-offs, and public records
- Hard inquiries from credit applications
Where to get your reports
You can request free copies of your credit reports from each of the three nationwide credit bureaus through AnnualCreditReport.com — the only source authorized by federal law.
What to review
- Personal information for unfamiliar names or addresses
- Accounts you do not recognize
- Late marks or balances that look incorrect
- Inquiries you did not authorize
Disputing errors
You can dispute inaccurate information directly with the bureau reporting it. The bureau generally has 30 days to investigate and respond.
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