Q:

How do you check your credit report with Wells Fargo?

A:

Quick Answer

While Wells Fargo does not offer an in-house credit report, the company recommends requesting a free copy of your credit report from a major, nationwide credit reporting agency, according to Wells Fargo's website. Wells Fargo suggests using AnnualCreditReport.com to request reports from Equifax, Experian, and TransUnion.

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Full Answer

AnnualCreditReport.com allows users to request free credit reports once each year on its website or by using its toll-free phone number, notes Wells Fargo. The website requires you to input your Social Security Number to run the credit check and receive your report.

It is important to request a credit report from each of the three major credit reporting agencies because there may be inconsistencies or inaccuracies in the information provided across the three, as Wells Fargo advises. If you notice an error, request a dispute form from the respective credit reporting agency within 60 days of receiving the credit report. Close attention to the details of these reports and requesting a new report annually is vital for keeping your personal finances on track.

AnnualCreditReport.com's once-a-year free service is required by federal law, explains the Consumer Financial Protection Bureau, and AnnualCreditReport.com is the only website authorized by the federal government to provide this service to consumers. Similar websites that may advertise a free credit report are not actually required to do so by federal law.

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