It is very crucial that you check your credit report at least once a year to make sure there are no errors or omissions. There are three national credit bureaus in the United States – Equifax, Experian, and Trans Union. And these are institutions you can get your report from. These actually compete with each other and usually do not share their credit information. That is why it is important to request copies of your credit report from all three.

Keep in mind that you are entitled to a free copy of your credit report from each credit bureau once a year.

If you do not want to pay, you can request a free copy of your credit report by visiting the official website for free annual credit reports. The free copies of your reports do not include access to your credit score, but you will be able to review information on your credit history. You can pull copies of your credit report more often but then you will have to pay for them.