Every individual has a record of their payment history of debts and responsibility with bills (including utilities). A credit report is a record of an individual’s credit history.
The simplest way to request copies of your credit reports is to go to annualcreditreport.com, the official site. You can also order your free credit report by phone or mail.
Some financial services also offer access to your credit scores and credit reports. While many require a subscription, you can access free credit monitoring with Credit Karma.
No, checking your credit report does not hurt your credit score because it is considered a soft inquiry.
Everyone has three different credit reports, each prepared by one of the three major credit bureaus: TransUnion, Equifax, and Experian.