Many kinds of people like employers, landlords, and loan officers look at your credit report.
That’s why it’s important to have good credit. Having poor credit could make things like getting
a job, receiving good interest rates on loans, or renting or buying a home more difficult or
How to Order a Free Credit Report
You are entitled to one free credit report from each agency every 12 months. Order 1 report
from a different agency every 4 months to monitor your credit year-round for free. Each agency
may have different credit scores, so check for accuracy and consistency.
To get your free report, visit the three bureaus listed below. Or order a report through
What to Review in Your Report
The FICO score in your report has five main factors. Take a look at the chart to see how it
breaks down. Then look at the list below to see other items to review in your report.
Public records such as bankruptcies and tax liens
If you see errors on your report, like accounts you didn’t open or debts you didn’t incur, you
may be a victim of identity theft. Learn more about identity theft and what to do if you’re a
Tips to Improve and Keep Up with Your Credit
Always make your payments on time
Keep balances at or below 35%
Have a mix of credit types
Pay off an account’s balance before closing it
Keep old credit accounts open to help with credit history length
For more tips, watch the step-by-step video from TransUnion
This information is provided by TransUnion and is for educational purposes only and does not
constitute legal or financial advice. You should always seek the advice of a legal or financial
professional before making legal or financial decisions.