Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the three major credit reporting agencies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. You are entitled to a one free report every three months. Using this service will not affect your credit score since it is a "soft" credit check as opposed to a "hard" check.