Free-and-credit-report

Regularly checking your files is the first line of defense against identity theft.

If you find an error, you should contact both the credit bureau and the company that provided the information. Under the FTC’s guidelines , bureaus are generally required to investigate and respond to disputes within 30 days. Annual Credit Report.com - Home Page free-and-credit-report

Understanding your report helps you take steps to improve your score , such as paying down balances or correcting late payment marks. How to Access Your Free Reports Regularly checking your files is the first line

When you receive your report, it will be divided into several critical sections: free-and-credit-report

A list of everyone who has accessed your credit report in the last two years.