The Fair Credit Reporting Act states that you are eligible to one free annual credit report from Experian, Equifax, and Transunion each year. You can request this report at https://www.annualcreditreport.com/cra/index.jsp.
You can also request a report by phone at 1-877-322-8228 or by mail by completing the request form found at https://www.annualcreditreport.com/cra/order?phone
The site will allow you to select which agency you would like a report from. I recommend requesting a report from one agency at a time and spacing it out every 4 months. This will allow you to look into your credit 3 different times during the year.
You will need to submit your information (Name, date of birth, social security number, address, etc.). The site with then ask you some verification questions about addresses where you may have lived, credit cards you may use, etc.
After successfully answering the questions you will be provided with your credit report.
NOTE: YOUR CREDIT REPORT DOES NOT SHOW YOUR CREDIT SCORE.
You can view the Fair Credit Report Act at http://www.ftc.gov/os/statutes/031224fcra.pdf
You can view the Fair Credit Report Act at http://www.ftc.gov/os/statutes/031224fcra.pdf
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