Annual Credit Report

An Annual Credit Report is a detailed document that outlines your credit history, including loans, credit cards, payment history, and any outstanding debts. In the United States, consumers are entitled to receive one free report annually from each of the three major credit bureaus: Equifax, Experian, and TransUnion. This report helps you understand your creditworthiness, monitor your financial health, and identify any errors or fraudulent activities. Regularly checking your credit report is essential for managing your finances and improving your credit score, which can affect loan approvals and interest rates.