How Can I Do a Credit Check on Myself?

There are three national credit reporting agencies that do credit checks on individuals: Equifax, Experian, and TransUnion.

The Fair and Accurate Credit Transactions Act (The FACT Act), a revision of the Fair Credit Reporting Act, allows you to obtain one free copy of your credit report annually. This law requires the three national credit reporting agencies to provide a single point of contact so you can get reports from all three national credit reporting agencies with a single Internet request, telephone call, or mail form.

For a detailed update on FACT Act implementation, and a map describing when the free credit reports are available to which states, go to the Experian Web site.