By federal
law, each of the 3 major credit bureaus is
required to provide you with one free copy per
year of your credit report (though not your
credit score ) upon request. It is important to
review this information not only to track and
improve your financial health, but also to
ensure against fraud and identity theft. Because
of this, it is advisable to space your requests
out from the 3 bureaus throughout the year, like
every 4 months, rather than requesting them all
at the same time.
You may request your free credit report online, request your report by phone or request your report through the mail. For the full details, read:
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