Consumers are entitled to a free copy of their credit report every 12 months from each of the three major credit bureaus: Equifax, Experian and TransUnion. Visit www.annualcreditreport.com to request your credit report online, by phone, or through the mail.
Over 13 million people a year find inaccuracies on their credit reports incorrect late payments, accounts that should have been closed, other people's debt information and more. Report mistakes right away; errors could lower your credit score, costing you money.
You're the one who has to ensure your report is correct. If you find an issue: