How do you check your credit report?

Report versus score

A credit report is the detailed record of your credit accounts and history, while a score is a number derived from it. Checking the report lets you see the underlying information rather than just the summary number.

Understanding the difference helps you know what to look at and why.

Reviewing it carefully

When you review a report, the useful checks are whether the accounts listed are really yours, whether balances and statuses look right, and whether there is anything you do not recognise. Catching errors or unfamiliar entries early is the main benefit.

How often you can access a report, and through which agencies, depends on where you are, so use the official channels for your country.

If something looks wrong

If you spot an error or an account you do not recognise, the usual step is to raise it with the agency or lender concerned through their formal process. Acting promptly is generally better than waiting.

This article is general educational information about money management. It is not financial, investment, tax or legal advice, and it is not a recommendation of any product. Rates, terms, fees and rules vary by provider, product and country, and can change; confirm the specifics for your own situation, and where needed, with a qualified professional.