Accessing your credit report

Your credit report is compiled when you or your lender request it. It contains information that is supplied by lenders, by you and by court records.

In order to obtain your credit report, you must provide your name, address, Social Security number, and date of birth. If you’ve moved within the last two years, you should include your previous address. To protect the security of your personal information, you may be asked a series of questions that only you would know, like your monthly mortgage payment.

Since lenders may review your FICO Scores and credit report from any of the three credit bureaus, it’s suggested that you check your credit report from all three and make sure they’re all accurate.