It is important to check your credit reports and your property loss history reports every year. Credit reports are used to determine the type of financial risk you present. Property loss history reports detail the claims history of damage to your property. Reviewing these reports will help inform you of your standing when you apply for certain credit and certain types of insurance, as well as allow you to correct any errors you identify.

You can review property loss history reports at no charge once every 12 months through LexisNexisa and Verisk. Credit reports are free weekly through AnnualCreditReport.com​. For questions or to make corrections to these reports, you should contact these entities directly. The links below will take you to web sites not maintained by the MIA.

• Annual Credit Report.com
  This is the only federally authorized online source for a free annual credit report and includes all three major credit reporting agencies (below). Or call 1-877-322-8228.
• Federal Trade Commission - Accessing Free Reports
  Information from the federal regulatory agency related to accessing free credit reports.
• Federal Trade Commission - Disputing Credit Errors
  Offers assistance correcting errors found on your credit report
• TransUnion
  A major credit reporting agency.
• Equifax
  A major credit reporting agency.
• Experian
  A major credit reporting agency.
• Choicepoint
  Refer to loss history reports referred to as CLUE reports under Consumer Solutions.
• Verisk​
  Request loss history reports referred to as the A-PLUS Report.