By law, everybody can obtain three free credit reports each year. The information in your credit report affects your life in important ways–your ability to get a loan, how much you pay for credit and insurance, securing a job, renting a house or apartment, and preventing identity theft. It is important to check your report regularly to make sure it is accurate and up-to-date. The credit reporting system is set up so that you are responsible for finding and correcting errors–you must play the role of quality controller for the information in your reports.
This website walks you through the process of obtaining your free reports, reading them, and dealing with any errors. Click here (PDF) to read a brief by the University of Wisconsin-Extension with more information about free credit reports. Important: You never need to provide a credit card number to obtain your free credit report. Websites that ask for your credit card number may bill you for your report.
In addition to your three free reports, there are some other circumstances that allow you to obtain additional free reports. Checking your free credit report using the steps outlined on this site does not affect your credit score.
Why “2/2, 6/6, 10/10”?
We encourage you to mark your calendars on 2/2, 6/6, and 10/10 this and every year as a reminder to request a copy of your free report on those days. You can order your free reports anytime during the year. The “2/2, 6/6, 10/10” reminder dates are meant as a simple way to remember to pull your free credit reports regularly. You may want to provide your email address here to automatically receive reminder emails on those dates. Visit this website’s other pages to learn how to obtain and read your credit report.
Despite the importance of reviewing one’s credit report regularly, only one in three Wisconsin adults obtain a copy of their credit report each year. Across all 50 states, Wisconsin adults rank 6th lowest in terms of reviewing their credit reports. In addition, many people who check their credit reports pay for this service–even though everyone is entitled by law to three free reports each year.