Can I review my credit report?
Answer: Yes. You are entitled to a free credit report every 12 months from each of the three major consumer reporting agencies (Equifax, Experian and TransUnion).
You can request your free report through the website AnnualCreditReport.com, by calling 1-877-322-8228, or by filling out the Annual Credit Report Request form (available at AnnualCreditReport.com) and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your report, you have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, you can monitor your credit more frequently throughout the year.
AnnualCreditReport.com is the ONLY authorized website for the free annual credit report that's yours by law.
You also have the right to obtain a free credit report in certain other circumstances – for example, if you are denied credit or, in some cases, if you receive credit at a higher interest rate than the lowest rate that was stated in the original offer to you. The card issuer is required to tell you the name and address of the credit reporting agency from which the card issuer obtained your credit report.
If you find that information in your credit report is wrong, you can dispute the inaccurate information.