Visit AnnualCreditReport.com
Request your free credit reports from Equifax, Experian, and TransUnion
Verify your identity with the required personal information
Review each report for accounts, balances, payment history, and inquiries
Check for errors, unfamiliar accounts, or signs of fraud
Dispute any inaccurate information with the credit bureau
Check your credit score through your bank, credit card issuer, or a credit monitoring service
Repeat the process regularly to stay updated