A federal law allows you to receive a free copy of your credit report every 12 months from the three nationwide consumer reporting agencies (Equifax, Experian, and Trans Union). If you haven’t ordered credit reports in the past year, consider doing so now. It’s important to review your credit report regularly to make sure that all of the information is correct.
A clearinghouse at www.annualcreditreport.com allows you to conveniently order credit reports from all three agencies. (you cannot order them through the individual agency websites). This is the only authentic website for doing so; other websites require you to sign up for credit monitoring or other costly services.
Ordering all three credit reports at the same time allows for easier comparison of all three, while ordering one every few months allows you to keep tabs on your credit files more frequently.