You know your credit report is important, but other companies also collect information on you, and you have a right to see those reports. You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or the best available terms on a loan.

Once you request your credit reports, it’s important to know what kind of information you should be on the lookout for as you review them. When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete. If you do find anything inaccurate, or an error, you have to dispute it. Once you dispute it the credit agencies must respond within 30 days.

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can look at one every 4 months or all at once.

You can request and review your free report through one of the following ways:

Online: Visit

Phone: Call 1-877-322-8228

Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

For more details about how to improve your credit score and matters related to a mortgage loan, please feel free to get in touch with me and I’d be delighted to be of assistance to you.

Robyn Robertson, a licensed Mortgage Professional with Suburban Mortgage in Scottsdale, Arizona. You can reach Robyn at, and direct at 480-355-8106. NMLS#203304 and Suburban Mortgage Inc. BK 10123


This content is not the product of the National Association of REALTORS®, and may not reflect NAR's viewpoint or position on these topics and NAR does not verify the accuracy of the content.