Skip to Page Content

Obtaining Your Credit Score

What You'll Learn

  • You can get a free copy of your credit report every 12 months
  • You should get a copy of your credit report a few months before shopping for homes
  • If there are any inaccuracies in your report, you need to fix them to repair your score

To get a sense of how your credit fares, you'll need to get a copy of your credit report.  Ideally, you should do this several months before shopping for a home as there may be errors you’ll need to fix.

You are entitled by law to get a free copy of your credit report:

  • Every 12 months
  • Every time you find a mistake and want to make sure it's been fixed
  • If you've been denied credit and in certain other situations, such as fraud

To get your annual free credit report, go to or call (877) 322-8228. For more information about your rights regarding credit and the Fair Credit Reporting Act, visit the Federal Trade Commission web site.

Once you have your report in hand, study it and make sure all of the information is accurate.  If there are any mistakes such as unpaid accounts that you have actually paid, you'll need to correct them as quickly as possible.

To make corrections, contact both the credit bureau and the organization that provided the information to the bureau (there are three bureaus: Experian, TransUnion and Equifax).  They are responsible for correcting inaccurate or incomplete information under the Fair Credit Reporting Act.

 Key Takeaways

  1. You can get your free annual credit report by going to or calling (877) 322-8228.

  2. Review your credit report closely for any errors that are harming your score

  3. It's important to understand your rights through the Fair Credit Reporting Act



You May Also Be Interested In


Building Better Credit

Important steps to build and improve your credit.


Back to Top