How to Do a Credit Check Online

You don't have to wait until a lender pulls your credit report to find out how your credit health is. You can request a credit check yourself, so you can see if all of your credit accounts are reporting with the appropriate information, whether unauthorized credit accounts are reporting on your credit report and to see if you have negative credit marks.

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  Go to annualcreditreport.com to request your free annual credit report through TransUnion, Experian and Equifax. Select your state in the drop down menu on the main page and click "Request Report." Enter your personal information in the required fields on the form and click "Continue." Choose the credit reporting agencies you want to request your report from and click "Continue." Follow the instructions on each site to access your credit report.

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  Check your credit report and score at the same time at Fair Issac and Company's website, MyFico.com. Click "FICO Scores and Credit Report" to get to the order form to request your official credit score and credit report. Choose the FICO Standard's "Buy Now" button. Select the specific credit reporting agency report you wish to check and click "Continue." Fill out the form's required fields and click "Continue." Uncheck the extra offers if you aren't interested and click "Continue." Enter your payment information and address and click "Continue" to access your report.

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  Sign up for a credit monitoring service. The credit reporting agencies and independent third parties offer online services that check your credit for changes every day. If you are curious about the progression of your credit report or you are undertaking credit repair steps you may be interested in the daily report offerings.