Ever wonder how often you should check your credit report? Here’s a quick guide to help you stay on top of your financial game!

At Least 2 to 3 times a Year

You should review your credit report at least once every few months to make sure all the information is accurate and up-to-date. Checking annually can help you:

• Catch Errors: Mistakes on your report can happen, and they could negatively impact your score!
• Spot Fraud: Regular monitoring helps you detect suspicious activity early.
• Understand Your Financial Standing: A quick review can show you where you’re at in terms of credit health.

Before Applying for a Loan

If you’re thinking about applying for a loan, mortgage, or new credit card, check your credit report first. Knowing where you stand can help you avoid surprises and give you a chance to improve your score if needed!

After Major Financial Changes

Made a big purchase, paid off a loan, or gone through a significant life change? It’s a good idea to check your credit report after any major financial event to ensure everything is reflected correctly.

Concerned About Identity Theft?

If you’re worried about fraud or identity theft, checking your credit report more frequently—every few months or so—can give you peace of mind.

Keep Your Credit in Check!

Staying informed is key to maintaining healthy credit. Want to make sure you’re on the right track?