How Money Smart Are You? --Credit Reports


When you apply for a car loan or a credit card, the lender reviews your credit history. Your credit history describes how you use money and is compiled by credit reporting companies --TransUnion, Equifax, or Experian—and most likely, all three. Do you know that you can request copies of your credit report from these companies? The Fair and Accurate Credit Transactions Act of 2003 gives consumers the right to one free credit report a year from each of the three credit reporting companies. This short Money Smart video describes a strategy for regularly monitoring of your credit history.

You can request your credit reports at Annual Credit Report.

Need more information? The Financial Literacy guide is a great place to start. Contact Regina M. Beard, business librarian,, with questions about the resources. This guide is strictly informational.