Check up on your credit every year

Did you ever apply for credit and were refused? There may be something on your credit report that’s holding you back. But it might not all be accurate. Checking your credit report at least once a year helps you know what’s there – and keeps you on track for a healthier financial future.

Visit to get your free credit report from each of the three major reporting agencies: Equifax, Experian and TransUnion. The law entitles you to a free copy from each one every 12 months. If you’re getting ready to finance a big purchase, like a home or car, you might want to check all three. Or you can stagger them, and review one every four months. Always review it carefully. If you find errors, take these steps:



If you find things on your credit report are correct, just bad for your credit, you can work on fixing it yourself. It takes time and patience, but you can do it. And then, after six to nine months of working on it, get another credit report from to see where you stand.