Published: 2026-08-15
This article provides general information for reference purposes only and does not constitute professional legal, tax, medical, or financial advice. Rules and programs may change. Always verify current details with official sources or consult a qualified professional.
What is a credit report?
A credit report is a detailed record of your credit history, including accounts, payment history, and inquiries. It is used to calculate your credit score. You have three main credit reports from Equifax, Experian, and TransUnion.
How do I check my credit report?
You can get a free credit report from each of the three major bureaus once a year at AnnualCreditReport.com. Review your reports for errors and signs of identity theft. You can also use free credit monitoring services.
How do I dispute errors?
If you find an error on your credit report, file a dispute with the credit bureau that issued the report. Provide documentation to support your claim. The bureau must investigate and correct errors within 30 days.