![]() ![]() If you request a report from more than one credit bureau, you'll have to complete this step for each one. You only have five minutes to answer the questions. They're designed to be tricky (sometimes the correct answer is "none of the above"). ![]() The information in these questions is taken from your credit report. However, if you're preparing to buy a house or make another big purchase that requires a credit check, you may want to request all three reports at once to review for accuracy, since you don't know which bureau the lender will pull from.īefore you can see your report, you'll have to answer three or four multiple-choice questions to verify your identity. It's best practice to review all three throughout the year you can even set calendar reminders to request one every four months. The bureaus are given information about our credit-card histories from creditors, but they don't all have the same information, which can lead to slight variations in the credit history recorded by each. The next page has you select which credit bureaus you want reports from. The form will ask for your name your current address your last address if you've lived at your current address for less than two years and your Social Security number. If you're requesting through the website, you'll have to fill out one submission form, regardless of whether you want one, two, or all three of your allotted credit reports. These are credit checks that don't affect your credit score and don't show up when a lender pulls a hard inquiry on your credit. Note: Requesting a credit report triggers a soft inquiry. Scam websites will try to dress their pages up to make them look legitimate. When you go to the website, double-check to make sure you're on the right page. If another source claims to have your credit report in exchange for personal information, it's probably a fraud. You can only request your credit reports through or by calling the verified phone number 1-87. Until the end of 2023, you're allowed those credit reports weekly as a result of the pandemic. You're typically limited to one free credit report annually from each of the three major credit bureaus: Equifax, Experian, and TransUnion. While your credit score is readily available from several sources including financial institutions, lenders, and third-party credit monitoring services, you will have to do a little more work for your credit report. If something looks amiss, you could be a victim of identity theft. It's important to check your report a few times a year to ensure the information is accurate. When you apply for a new loan, credit card, or request a credit limit increase, the lender will take a look at your credit report. ![]()
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