How to Check your Consumer Reports

How to Check your Consumer Reports

By The Consumer Financial Protection Bureau

Good afternoon,

You may know that your credit records affect your ability to get an affordable loan, a job, an apartment, or any other essentials of daily life. But, do you know where and how to actually request your credit reports and what you can do once you order them?

Over the past few years, we have updated and published a list of consumer reporting companies. Today, we present you with the 2020 edition of our list. You can filter and search the list online. This year’s list includes the following features:

  • Information to request a report. This includes the latest company name and contact information from the three nationwide consumer reporting companies (Equifax, TransUnion, and Experian) and dozens of specialty reporting companies. We sort the companies by market area, such as employment, tenant, bank, subprime, insurance, or medical.
  • New tips on which specialty reports might be important for you to fact-check depending on your specific situation. With the exception of employment screening, you can be rejected without warning based on the information in your consumer reports. When you know a consumer report is going to be used in a decision about you, check your consumer reporting information ahead of time.
  • You should fact-check your credit reports for free from the three nationwide consumer reporting companies every 12 months and before you apply for credit. As a result of a 2019 settlement, all U.S. consumers may also request up to six free copies of their Equifax credit report during any twelve-month period. Requesting your credit reports will not hurt your credit scores.
  • Useful identity verification information about how consumer reporting companies try to make sure you are who you say you are—before they give you your reports. It also includes the types of questions they might ask to verify your identity.
  • Free reports guide. Most of the companies on this list will provide your information to you for free at least once every twelve months if you request it. In our list, we tell you ones that do.
  • Companies that will provide free scores along with free reports. Not many do, but there are a few. We tell you which ones.
  • Security freeze information about how several of the companies on this list will limit third-party access to your data if you request it through a security freeze.

Download The List Now

Thank you,

Consumer Financial Protection Bureau

 

 

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