How Often Should I Check My Credit Report?
Check your credit report at least once a year from each bureau (Equifax, Experian, TransUnion). For better monitoring, check one bureau every 4 months. Check more frequently if you suspect fraud.
| Item | Frequency | Signs It Needs Attention |
|---|---|---|
| Credit Report | At least annually (quarterly is better) | You're planning a major purchase (home, car), You received a breach notification |
Why This Matters
Credit report errors are common and can lower your score, affecting loan rates and approvals. Regular monitoring also catches identity theft early, limiting damage.
4 Signs You Need to Check Your Credit Report Now
- You're planning a major purchase (home, car)
- You received a breach notification
- You were denied credit unexpectedly
- You see unfamiliar accounts or inquiries
Pro Tips
- 1Use AnnualCreditReport.com for free reports
- 2Stagger requests: one bureau every 4 months
- 3Dispute errors in writing with documentation
- 4Consider a credit monitoring service for alerts
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Frequently Asked Questions
Does checking my credit hurt my score?
No. Checking your own credit is a 'soft inquiry' and doesn't affect your score. Only 'hard inquiries' from lenders do.
What's a good credit score?
670-739 is 'good,' 740-799 is 'very good,' and 800+ is 'excellent.' Scores below 670 may face higher rates.
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