Any bank account you have open will affect your credit rating and can incur fees. It's important to be aware of all of your financial accounts in order to accurately manage your money. Sometimes, through a variety of ways, you may have an account open in your name without your knowledge. Such an account can expose you to financial liability without your knowledge. It's important to identify these accounts quickly and either actively manage them or close them.
Locate Your Financial Accounts
Decide which credit reporting agency you wish to receive a credit report from. Experion, Equifax and Transunion are the three major credit reporting agencies in the United States. They receive reports from all accredited financial institutions about every account open with their institution.
Go to https://www.annualcreditreport.com/cra/index.jsp. This site was set up by the three credit reporting agencies at the direction of the U.S. government to provide consumers with a central site where they can access their credit reports for free once each year.
Click the "Request Report" button. Each of the three agencies can be accessed through this site and are required by law to furnish your complete credit report at no charge.
Follow the instructions given on each page of the process that begins when you click the "Request Report" button. Save or print your credit report provided by each agency before you move on to the next.
Review your credit reports. Look for any active accounts that do not look familiar. If you find an account you are not aware of, contact the institution and ask how the account was opened, update your contact information and request an up-to-date account statement.
Obtain a report from all three if you want to be as thorough as possible. Each of the three will have close to the same set of records on your financial activity. The differences in their reports are primarily in how they score your credit rating.
The three credit reporting agencies maintain detailed records about the financial activity of every American consumer who uses the financial services of banks, credit card companies, mortgage lenders and most any other type of credit providers on the market. If you have a bank account open within the United States, they will have a record of it.
Things You'll Need