The Single Credit Report is a snapshot of your credit history according to one major credit bureau. Here is a sample of a personal credit report from TransUnion.  Find out what personal information the credit bureaus have in your file. Make sure your name, address, and employer are accurate and up-to-date. Watch out for incorrect addresses—this may be a sign that an identity thief has redirected your mail to a false address.   Understand your credit file with an easy-to-read summary of your report. See all of your essential credit report information at-a-glance. Watch out for inaccuracies that could negatively impact your credit standing. Get detailed information about all of your loans and credit card accounts. Is the account open or closed? What is your monthly payment? What is your total balance? What is your maximum limit? Have you ever had any late payments? Make sure the information is accurate and up-to-date. Watch out for accounts that are not familiar—these could be accounts that were opened fraudulently in your name. Discover who's been looking at your credit report. Make sure you've authorized all of the inquiries. Watch out for names of companies that are not familiar—if you haven't authorized the inquiry, it may be a sign of fraud. Note: When you personally check your credit report with TrueCredit.com, the inquiry that is recorded will not adversely affect your credit standing.    Get contact information for all of your creditors. Use the addresses and phone numbers to contact them in case you identify issues that need to be resolved. Click here for your TransUnion credit report!