For U.S. credit reports

If you have a U.S. credit history, you're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies: Experian, TransUnion, and Equifax. Here's how you can obtain it:

• Website: Go to www.annualcreditreport.com, the only authorized website for free credit reports.
• Phone: Alternatively, you can call +1-877-322-8228 to request your report.

For Canadian credit reports

• Equifax and TransUnion: You can get a free copy every 12 months from both Equifax and TransUnion.

Additional tips

• Monitor your financial status: Regularly checking your credit report helps you monitor your financial status and correct any inaccuracies promptly.
• Dispute inaccuracies: Report any discrepancies directly to the credit bureaus to dispute incorrect information.

By obtaining your credit report, you'll have a clearer understanding of your financial standing and can take steps to manage your credit more effectively.