Federal law gives everyone the right to a free credit report from each of the three major credit bureaus every 12 months (but not a free score). UW-Extension makes it easier to review your report through our “Check Your Free Credit Report” campaign. This public website lets you sign up for reminders to check your free credit reports and provides guidance on how to get and read your free reports. Order one free report every 4 months on 2/2, 6/6, and 10/10.
It is completely up to you to look over your own credit report for mistakes that should be removed, out-of-date information, and signs of identity theft. Research indicates around 20% of reports contain errors. Still, only about one-in-three Wisconsin adults look at their report each year. Visit the campaign’s website to get started. Or go rogue and order your free credit report directly from the official website: https://www.annualcreditreport.com/index.action