A mistake on just one report can still tank your mortgage application.

You can now get free weekly credit reports from all three bureaus via the official site, AnnualCreditReport.com.

Lenders often report to different bureaus at different times—or sometimes only to one or two.

If you find an error, you must dispute it with each bureau individually to ensure your record is clean across the board. 3. Claim Your Free Access You don't need to pay for these reports.

Here are three ways to use this information to boost your financial health: 1. Spot the "Hidden" Mistakes

If you’re applying for a home loan, the lender will look at a tri-merge report to determine your interest rate.

Disputing Errors on Your Credit Reports - FTC Consumer Advice

Pull your reports 3–6 months before applying for a loan.