Thanks to federal law, you can easily check your credit report for free. Even if you aren't looking for a loan or mortgage, it's a good way to make sure your record doesn't include any errors that could count against you in the future. You can see whether there are any accounts open that you don't know about, or if anyone you don't know has recently asked for a copy of your report; either of these might indicate suspicious activity.



There are many websites that will charge you for this service (and may collect your personal data for marketing), but there is one official site that is safe and definitely free. AnnualCreditReport.com is operated by the Federal Trade Commission (FTC) and provides more information on the service here.

Your credit report will NOT include a "credit score"-the FICO number (between 300 and 850) that you see used extensively in mortgage marketing. While you can purchase your credit score, it is generally not important unless you plan to get a loan in the near future. When you apply for a mortgage, the mortgage company will get its own credit report. You'll be billed for it, but then you will get a copy that includes your credit score.

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