preparing for home ownership
Request and Review Your Credit Report
Request and review your personal credit report at least 60 days before applying for a mortgage. This way you'll have time to dispute any inaccurate information you find. Consumer credit reports are compiled by three nationwide companies - Equifax, Experian, and TransUnion. By law, how often does each company have to supply you with a free credit report?
Once every two years.
Once every three months.
Once every 12 months.
If you guessed "C", you're right. To request a credit report from each of the three companies, visit www.annualcreditreport.com. This is the only website that's authorized to provide this service.