U.S. law gives consumers access to complimentary file disclosures at regular intervals from each nationwide credit reporting company. This access supports transparency, error correction, and identity monitoring without extra cost. Reviewing your reports on a predictable cadence helps catch inaccuracies early and understand how lenders view your profile. Spacing requests throughout the year can provide ongoing visibility. Building this checkup into your financial routine strengthens security and keeps your credit picture up to date.