If you want to check your credit history online for free, you have two ways of doing that. You can either go to the authorized website, annualcreditreport.com or through the other credit reporting websites.
Why you should check credit history
Your credit history or report is a collection of all your credit-related activities from current and previous bank accounts, current and previous credit card details to mortgages. It takes into account every minute detail including late bill payments. Some entities then judge you by this record. Let’s say you want to get a house loan, the lender will check your credit history to help him decide on whether or not to grant you one and it can even determine how good of a deal they will give you. Using your credit report, these agencies can tell if you are a risk to them or not. So use your free report to determine if you should and how you could improve your score.
I can give you two reasons why you should check your credit history. One is to check to make sure that everything under your name is correct and second, to make sure that you are not a victim of identity theft. Misinformation can cause your score to drop and you may be declined a loan, insurance or mortgage for that very reason. That is why you should make sure that the details on your credit history are correct. Many people have detected identity theft by the checking their credit report. If your social security number, address or other personal information is inaccurate, then you must file a dispute to get all of your credit reports corrected.
Where to check credit history free online
As I mentioned, you have two options in getting your free credit report. It is highly advisable that you go to the Annual Credit Report website before subscribing to any other website. It is the only website that is authorized by the government to give out credit reports and by law, you are entitled to one free credit report every 12 months. This does not include the credit score though, you will have to pay extra for it. Getting your free credit report is very simple. All you have to do is go to the website and provide all the necessary identifying information about you. This includes Social Security number, work information and personal information but never credit card details. When you complete application, you will be sent three credit reports. These are credit reports from each of the three official credit reporting bureaus (Experian, Equifax and TransUnion).
The other credit reporting websites where you could get a free credit report are not authorized by the government to do so. Because of this, take extra precaution when filling out their subscription. Some of these websites will claim that they need your credit card details in order for them to locate your credit history. Yet there are those that do not require credit card information. When you give out such details, you are risking getting billed. Avoid giving out this information. If you should proceed with one of these websites, be sure to read their terms and conditions very carefully.