At a minimum, you should review your credit report once every 12 months. You can receive a free copy of your credit report from each of the three national credit reporting companies at AnnualCreditReport.com. You can also get your free credit report directly from Experian.
Checking your credit report regularly will ensure your credit is up-to-date and accurate. Not all creditors report to all three credit reporting agencies, so you should check your report with each of them. It's possible that they may not all have exactly the same information about your credit history.
If you are planning to apply for credit, such as buying a house or a car, it's a good idea to check your credit report at least three to six months in advance of the purchase to make sure your credit is in good shape.
Additionally, check your credit report more than once every 12 months if you have reason to believe you are a fraud victim or have had identity theft issues. Identity theft victims can receive a free copy of their credit report directly from Experian.
There are a number of other ways to receive a free credit report. It might also make sense to subscribe to a credit monitoring service, such as Experian's Credit Works, if you are working to improve your credit report and scores, or want to review your credit report more often.
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Scoped on: 1/21/2017