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when you go to annualcreditreport.com to get your credit reports and I recommend you do that every year get all three from Equifax Experian and TransUnion they have to ask you some questions to verify your identity thats because theres a federal law that restricts who can see your credit and they want to make sure its you checking and not someone else checking so theyll usually ask you questions about previous accounts that youve held and sometimes it can be tricky because it could be an auto loan that you paid back four years ago you dont remember what the monthly payment was but with some of the big hurdles when people try to get their credit report that day that way our address so a lot of times there may be a mismatch with their current address and what the credit reporting agency is showing and another is that they dont always understand that none of the above is a perfectly valid answer so they could give you three payments for your auto loan and none of them are correct
