A common myth is that checking your own credit rating will damage it. In reality, credit inquiries are split into two categories: how to check credit rating
: This is the only website authorized by U.S. federal law to provide free credit reports from the three major bureaus— Equifax , Experian , and TransUnion . checking your credit rating
: You can access reports immediately online or request them by phone at 1-877-322-8228 or by mail. Credit Scores via Private Services : A common myth is that checking your own
: While federal law requires one free annual report, these bureaus have permanently extended a program allowing you to check your reports weekly for free through this site. checking your credit rating