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However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.

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Information about criminal convictions may stay on your credit report indefinitely.If you receive one of these notices, it’s a good idea to get your free credit report and review the information in it right away.If you think your credit report contains inaccurate or incomplete information, follow the steps in .Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more.So it’s especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus.