UW-Extension Free Credit Report

The Richland County UW-Extension urges you to take time to check your free credit report. The UW-Extension website walks you through the only free report available. The information in your credit report can affect your life in many important ways.

Your credit report is a detailed record of your credit activities from the past seven to ten years. It can influence your interest rate for credit cards and loans; affect your monthly insurance payments; your ability to get a mortgage or rent an apartment; and maybe even apply for for a job. Because credit reports are used so often, federal law gives everyone the right to see a free copy of their report from each of the three major credit bureaus every 12 months.

There are three ways to order your free credit report: through the mail, by calling toll free, or at the official website Annual Credit Report dot com. The University of Wisconsin-Extension makes ordering your free reports easy through its “Check Your Free Credit Report: 2/2, 6/6, 10/10” website. Anyone can sign up to receive an email reminder on the campaign’s website at fyi.uwex.edu/creditreport. The Richland County UW-Extension office recommends that you view one report every four months so you can be sure that the information is up-to-date and accurate.

For more information on credit reports and personal finance, contact Chelsea Wunnicke, Richland County UW-Extension Family Living Agent at 608-647-6148.