Download Article Show Download Article Checking credit scores is an important part of financial responsibility. Whether you are a potential employer or landlord, loan representative, or individual, there are several advantages to reviewing credit reports and scores. A credit report and score is a good indicator of professional and personal responsibility.
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ReferencesAbout This ArticleArticle SummaryX To check someone’s credit scores, you’ll need written permission from the person, alongside their social security number and their current address. It is illegal to check someone’s credit scores without their permission. Once you have their permission, choose which credit reporting agency to use, such as Equifax, Experian, and TransUnion. Go to the website of the credit reporting agency you've chosen and request a credit report. When you obtain the credit report, look at the person’s credit accounts to see their mortgage accounts, revolving accounts, and installment accounts. You can also learn about the positive and negative items on their credit, which makes it easy to interpret their credit history. For more information on checking someone’s credit scores, like how to find out if you’re eligible to check someone’s credit scores, read on! Did this summary help you? Thanks to all authors for creating a page that has been read 285,233 times. Did this article help you?How do I check my credit score myself?How to access your report. You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.
What is the easiest way to check my credit?You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com. You can also create a myEquifax account to get six free Equifax credit reports each year.
Does your credit score go down if you check it yourself?Checking your credit reports or credit scores will not impact credit scores. Regularly checking your credit reports and credit scores is a good way to ensure information is accurate.
How do I obtain my credit score for free?Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax® and TransUnion® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.
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