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Your Cred-O-Meter:
Keeping Track of Your Credit Cred: Review Credit Reports Annually

It’s actually really easy to monitor your own credit history and keep an eye out for errors. By law, each of the three credit bureaus (TransUnion, Equifax, and Experian) must provide you with a free copy of your credit report every year. The bureaus have teamed up so you can do this from one website:

You might see many businesses offering to help you obtain your credit reports and even your credit scores, but the website is actually all you need. It’s worth mentioning here that your credit score isn’t noted on your credit reports. Your credit reports are prepared by Experian, TransUnion, and Equifax. Your credit score is calculated by FICO. Your credit reports are available to you free of charge. You would have to pay a fee to see your score. The content of your credit report is really what you’re concerned with, though. If the content is accurate, then your score will be accurate.

The website will ask you for your name, current mailing address (and maybe your previous address), Social Security number, and date of birth.  It will then walk you through the process of viewing printing and/or saving your report from each bureau.

As noted earlier, each credit bureau collects slightly different information, but, fortunately, all of the reports are nearly identical, with only slightly different information in each one. To see what a credit report looks like click here.