free-credit-report

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies through this central source.  It is entirely your choice whether you order all three credit reports at the same time or order one now and others later.  The advantage of ordering all three at the same time is that you can compare them.  (However, you will not be eligible for another free credit report from the central source for 12 months.)  On the other hand, the advantage of ordering one now and others later (for example, one credit report every four months) is that you can keep track of any changes or new information that may appear on your credit report.  Remember, you are entitled to receive one free credit report through the central source every 12 months from each of the nationwide consumer credit reporting companies - Equifax, Experian and TransUnion - so if you order from only one company today you can still order from the other two companies at a later date. 
You can check your TransUnion credit score for free right here on WalletHub, where your score is updated on a daily basis. Checking your credit score as put forward by one credit bureau should be enough. The Consumer Financial Protection Bureau found a 90% correlation among a selection of the most common credit-score models. So, it doesn’t really matter which one you check, as long as it’s free and from a reputable source. Remember that you're entitled by law to your three credit scores for free each year at annualcreditreport.com
If you reviewed your credit information and discovered that your credit scores aren't quite where you thought they'd be, you're not alone. Since your credit scores use information drawn from your credit report, your credit activity provides a continually-updated basis of data about how responsible you are with the credit you're currently using. At Experian, we provide information that can help you see your credit in new ways and take control of your financial future. You can learn more about:

But what these commercials aren't telling you is that the scores you're seeing aren't the same ones lenders are looking at. This doesn't mean they're worthless, but you have to understand exactly what you're getting so you aren't misled into thinking that your score is much higher or lower than it actually is. Here are the most important things you should know.
A: It’s up to you. Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.
If it’s been a long time since you checked your credit report, there’s a good chance it contains incorrect or outdated information. Eighty percent of credit reports contain bad information, according to Deborah McNaughton, founder of Professional Credit Counselors. Common credit report errors include wrong birth dates, misspelled names and incorrect account details. It can take 30 to 45 days to get your credit report corrected.
To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.
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