When, Where & Why Should I Check My Credit?

You DO Have Privileges When it Comes to Your Credit Report. Under the Fair Credit Reporting Act (FCRA), you have rights to:

  • Obtain a free copy of your credit report
  • Know who has requested your report
  • Dispute any false information
  • Explain the circumstances around any unfavorable information


Why Should I Check My Credit and When?

At a minimum, you should check your credit at least once a year. You are entitled to one free copy of your credit report annually. Reasons for you to take advantage of requesting your free report are:

  • It will help you notice and report any errors
  • You might be able to stop identity theft and credit card fraud
  • You will be able to see negative issues that are affecting your score
  • See if those you co-signed for are paying their loan as agreed

Where Can I Check My Score?

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Score & Credit Basics

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