![]() Your FICO credit score may be obtained for a fee, or there are a number of other services such as Self Lender that offer a credit score for free. ![]() It’s important to note that your free credit report provides a detailed history of your credit, but it does not provide you with your credit score. This information can be used to determine good spending habits and as an indicator to possible lines of credit. In addition to alerting you to potential fraud, a credit report can inform you of your spending habits and overall debt. Names of employers for whom you have never worked.Delinquent accounts that don’t belong to you.Addresses at which you have never lived.Credit cards or lines of credit that you don’t recognize.Information about how to report inaccurate or fraudulent information will be included in your credit report. In the case of suspected identity theft, a police report should also be filed. If you notice something inaccurate or possibly fraudulent, these should be reported immediately to avoid any further damage to your credit. It’s important to know what is on your credit report regularly to avoid inaccurate reporting, fraud, or identity theft. To get your free credit report, visit Why Check Your Free Credit Report This credit report will detail your credit history including all current and past lines of credit, credit inquiries, addresses, jobs, and possibly other public record information. Federal Law allows every citizen to get a free credit report every year from each of the three credit bureaus: Experian, Equifax, and Transunion. ![]()
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