Conduct a personal credit check by ordering a copy of your credit report from the Annual Credit Report website or from each credit bureau's website, advises Annual Credit Report. Each year you are entitled to one free credit report from each of the major credit bureaus: Equifax, Experian and Transunion. You may also purchase additional reports from the credit bureaus throughout the year.
You must provide your name and social security number to verify your identity and obtain the report, states Annual Credit Report. When you receive the report, review the information provided, specifically the detailed list of your creditors including the type of loan, balance on the account and payment status. Your credit report may also include the names of current and past employers, your address history and public records such as bankruptcies.
Running a personal credit check is important to guard against identity theft and to ensure that all information is correct before applying for a loan or job, states the Federal Trade Commission. Lenders and some employers use a credit report to determine your level of financial responsibility. If you find errors on your report, you can dispute the information with the lender and credit bureau and have incorrect information removed from the report.