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FREE Credit Report & Score

Get your free credit report, credit score and debt analysis. H;ow check personal credit. All online in seconds plus a 30 day trial of credit monitoring!

FREE online Credit Report in seconds — easy-to-read with color graphics.

FREE online Credit Score with personalized tips for making your score higher.

FREE Debt & Income Analysis examines your personal borrowing power.

You get so much with your free credit report!

See who has looked at your report recently.
H;ow check personal credit.
Protect yourself from credit fraud.
See companies that gave you credit, new accounts/loans and any negative information.
Find out why you've been granted or denied credit.
Get your credit score and determine your credit risk.

H;ow check personal credit

Your Credit Report

Checking your credit report regularly is very important. Some say you should check your credit report as often as every 6 months and others suggest every year. If there are inaccuracies in your credit report you could end up paying a higher interest rate on your car or mortgage as well as be turned down by insurance companies. Employers are even using credit reports now when making decisions on employment.

Who Can See Your Credit Report?

There are a number of different people and entities that are able to check your credit report including phone/utility companies, landlords, medical institutions, stores, credit card companies, auto dealers and investigators.

What's in Your Credit Report?

Your credit report includes information such as marital status, changes in your name, your job information, your spouse's job information for starters. The primary content of your credit report contains information on your financial accounts including lenders, credit cards, department store cards and more. Your account type, payment history, joint owners, credit limit and balance information is listed for each account.

Other accounts show up on your credit report when you have defaulted on the account in some way. For instance, if you defaulted on your rent payment, your landlord can report it and it will show up on your credit report. Other people and companies can do the same including utilities, insurance companies, stores and medical facilities.

Certain public information can also appear on your credit report including bankruptcy, liens, court judgments and lawsuits. H;ow check personal credit. Also included on your credit report are all the people and companies that have inquired on your credit report within the last year. Note: Having a large number of inquiries on your credit report can look bad to some potential creditors.

Your 30-day trial includes weekly email updates to keep you informed and protected against fraud.

Did You Know?

Lenders can use your credit report and credit score to make credit decisions.

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A credit report is basically a record of your credit history. Different interested parties can obtain your credit report from the credit bureaus to make decisions about giving you credit. Your credit report allows a credit provider to decide if they want to extend you credit based on your credit history. Your credit report is created from your credit file located at the credit bureau and contains your credit history. The three major credit bureaus in the US are Equifax, Transunion and Experian.

Millions of people in the US have a credit report on file. The contents of your credit file can be requested from any company that has granted you credit in addition to agencies like the government or the courts. Normally, your credit report will be "clean", but an honest error or a case of identity theft could damage your credit profile causing you trouble the next time you apply for credit. You can use a credit monitoring service to track any changes to your credit report. Often times, you will get a free credit report just for signing up for a free trial of credit monitoring.