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Obtain Your Credit Report

You should review a copy of your credit report before you start a graduate or professional program. When approving loan applications, student loan providers may use credit criteria, including:

  • Absence of negative credit.
  • No bankruptcies, foreclosures, repossessions, charge-offs, or open judgments.
  • No prior educational loan defaults unless paid in full or making satisfactory progress in repayment.
  • Absence of excessive past due accounts, such as, no 30-, 60-, or 90-day delinquencies on consumer loans or revolving charge accounts within the past two years.

How to obtain a credit report

Many companies allow you to order consumer credit reports online, including combined reports from Equifax, Experian, and TransUnion.

Some services charge a fee, typically between $25 and $50, for a combined report. Other companies will give you access to a single online report in a few minutes.

Many companies offer free consumer credit reports, but read the information carefully for any membership obligations before signing up. Although we cannot endorse any one company, here are a few that others have used in the past: