Consumers can see their credit history by accessing them online through one of the three major credit bureaus, Bankrate reports. Customers are allowed one free credit report per year per reporting agency, which can be obtained through AnnualCreditReport.com.
A person's credit report shows their credit history which includes details regarding the past and current credit accounts, Wells Fargo explains. The history also documents each time a creditor or lender submits a request to view a person's credit report. If accounts have been passed onto a collection agency, that information is also available as part of a credit report history. Any financial information that is part of a public record, such as foreclosures, liens, bankruptcies and judgments are also documented in a person's credit history.
A free credit report can be obtained from each major credit reporting agency: Experian, TransUnion and Equifax. Customers are also entitled to see a copy of their credit report within 60 days of being denied credit or if the applicant is on welfare, is unemployed or has an inaccurate credit report. Customers should pull reports from each agency and review them to ensure proper reporting. Errors should be disputed within 30 days of receiving a credit report, Wells Fargo advises.