How to Get a New Credit Report

A credit report is a rundown of your payment history that lists accounts, balances and payment patterns. Creditors rely on credit report information when issuing loans and credit cards. The three credit agencies are Experian, TransUnion and Equifax. By law, people are entitled to at least one new credit report once a year. Once you request the report, you can track your payment history with ease.

Instructions

1

Go to Annualcreditreport.com. It is the only authorized source for consumers to access their annual credit report online for free.

2

Select your state on the home page and click "Request Report."

3

Type in your name, contact information, Social Security number and date of birth, then click "Continue" to get your new credit report. You will receive one from each of the three credit agencies.