how can you obtain your credit report 
by law you are entitled to a free copy of your credit report from each of the three major bureaus at least once a year the official website for that purpose is annualcreditreport com you re also entitled to see your credit report free of charge if you ve recently been denied credit insurance or employment based on the information in your report or if you ve been a victim of identity theft 1the bottom lineyour credit reports contain information that lenders insurance companies and others will use to judge you for that reason it s important to check your reports periodically to make sure the information in them is correct if you find errors you have a right to dispute them and the credit bureau is required by law to investigate the matter and get back to you 