You've found your dream house. Are your credit reports ready?
People with good credit should check their credit reports, too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it.Learn what to look for
Don't be fooled by look-alikes.
Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.
There's more to the game than a score.
How you play changes your score. Details such as, how much credit you have, how much you owe, and how often you pay affect your credit scores. Do you know what else does?
What affects your credit score?
One of these things is not like the others.
You may think you have one credit report and one credit score. But you really have several, and they may differ. You should check all three reports regularly.
Request your free credit reports
Your credit reports matter.
- Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
- Reviewing credit reports helps you catch signs of identity theft early.
FREE Credit Reports. Federal law allows you to:
- Get a free copy of your credit report every 12 months from each credit reporting company.
- Ensure that the information on all of your credit reports is correct and up to date.