how often to get credit report
To do that: Check your credit reports. At least once a year, visit AnnualCreditReport.com to get your reports and check that they are accurate and complete. (You can also get your credit score and a snapshot of your credit report for free from Credit.comâs Credit Report Card .). Give yourself time. Check your reports 3-6 months before applying for a major loan like a mortgage or auto loan, recommends Griffin.