As a consumer, you have a right to view your credit report from each of the three credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to request the free report. You will have to pay to receive your credit score. It is important to review your report to verify that the credit information reported is accurate. Your credit report can affect your ability to finance items like houses and cars, and it can even affect your potential employment or your insurance rates. For more information on requesting the report, along with instructions for what you can do if you find errors, visit the Federal Trade Commission website.
If you have minor children, you can ask the credit bureaus if a credit report exists for them. The Consumer Financial Protection Bureau (CFPB) has an article with tips on how to do that. You can request the file from any of the three bureaus. This is especially important if you believe your child may have been the victim of identity theft. If you discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes information on how to dispute the credit file for your child.
This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.