Monitoring Your Credit

Your credit report is free to check.

You are able to check your credit report once a year using AnnualCreditReport.com. This will check your credit report across all 3 of the credit bureaus.

Often, your report does not include your credit score. This is often available from your bank or credit card company. Find ways to check your credit score from the Consumer Finance Protection Bureau.

Worried about a financial service being a scam? Learn how to tell if a credit check or credit counselor is a scam here.

Does checking my report lower my credit score?

No, requesting your credit report does not hurt your credit score.

When companies check your credit report because you are requesting a new line of credit does. It’s the same reason that free offers do not affect your credit score either; only new requests for credit affect your score and get added to your credit report.

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How can I fix mistakes in my credit report?

You have the right to dispute mistakes on your credit report.

You often have to contact:

• The reporting agency (your creditor)
• The credit bureaus

Fixing mistakes can provide significant increases to your credit score and make sure you don’t have any marks that do not belong to you on your report. Want more information?

Learn more about disputing errors on your credit report here.