Annual Credit Report

By law you’re entitled to receive one free copy of your credit report annually from each of the three credit reporting agencies (Experian, Equifax, and TransUnion), so a total of three reports each year. You can pull a copy online at

Rather than pulling all three reports at once, we recommend pulling one of the reports every four months – January, April & September. This will help you keep a year-round eye on your credit report and catch potential fraudulent activity sooner.

Review these four key areas of your credit report for accuracy:

  1. Personal information– Your name, address history, social security number, date of birth and employment history.
  2. Credit history– This is the largest section of your credit report, and will contain information on all the credit accounts you’ve either opened or co-signed for, including accounts you’ve closed.
  3. Credit report inquiries– Whenever someone inquires about your credit, such as a landlord, lender, or insurance company, this information is recorded and remains on your report for up to two years.
  4. Public records– Any public information, such as bankruptcy, late child support, or unpaid taxes, can stay on your credit report for up to 7 years. Comb through each of these sections and make sure that all the information is correct.

If you need assistance, please schedule an appointment or contact a Loan Officer to schedule your First Class Lending Review!


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