A credit report holds your official records forborrowing and repaying, including information about late payments, credit cards and loans you may have, accounts in collections and bankruptcy. Getting your credit report, especially before you apply for a loan, is a good way to check for identity theft or errors in your credit history.
There is only one way to receive a free credit report online. Go online to AnnualCreditReport.com or call them at their toll-free number 1 (877) 322-8228. Through AnnualCreditReport.com, you can order a free report once every 12 months from each of the three credit reporting companies; Equifax, Experian and TransUnion.