You can get a free credit report, no sign-ups, no fees, and no contracts. It is important to always know what your credit standing is. The three main credit bureaus will give you a free annual report. Well, it doesn’t cost you a dime to get an online or hard copy of your credit report.
If you decide to join one of the websites that monitor your credit and report any unusual activity, that’s a little different. It is a good idea to know what is on your free report, all you have to do is ask. The fair credit reporting act, states you are entitled to get a copy of your credit.
Beware of deceptive sites and TV commercials, that promise free credit reports, only to find out that you have to a fee to get it. However you can get a copy of all three credit reports if you visit annualcreditreport.com, no gimmicks, and no cost! You are entitled by law to a credit report from each of the credit-reporting bureaus each year. Let’s check it out.
Where to get your Free Credit Report
Annual Credit Report.com is a government-authorized site to get a free copy of your credit report. Go to: annualcreditreport.com:
- Enter your full name and present address
- If you have lived at your present address for less than two years, your previous address will be requested
- Next, you will be taken to a page where you will find the three major credit reporting agencies, Equifax, Experian, and TransUnion
- Here you will be able to get all three credit reports.
How to Get a Credit Report from Annual Credit Report
Check the box of the credit bureau you want a report. to questions like what bank you have your account with, where you got your car loan, or where you live. These questions could be to things that happened years ago.
Do you know the address you lived at 10 years ago? They may ask. If you check more than one credit bureau, you are redirected back to the original page. Start your next credit report request.
If you find anything on your report that is incorrect, you have a right to challenge it and have it removed. The credit bureau contacts the agency reporting the item, and they have 30 days to respond, or the item must be removed. This really works!
Look for Credit Reporting Errors
Once you gain access to your credit report, I suggest you print it out and if you don’t have a printer, then copy and paste it into a word processing document. Check your credit report for inconsistencies or errors to your credit reporting.
You will be able to challenge any error at this time by reporting it online. The challenged items will be investigated by that credit reporting agency and you will be notified by e-mail of the results of their findings. I have had many negative items removed from my credit by doing this.
Don’t be Fooled
So, do not be fooled by promises of a free credit report, FreeCreditReport.com is not free. If you do not have access to a computer you can also get a free copy of your credit report by requesting one by phone or in writing.
You can also go to Credit Karma or Credit Sesame for your report and credit score. You do however have to pay to see your fico score. Their system is not as complete as the major bureaus but will fan ideas get your financial status, items in collections, and your score.
Equifax
P.O. Box 740256
Atlanta, Georgia 30374
800-685-1111
TransUnion
P.O. Box 6790
Fullerton, CA 92834
800-888-4213
Experian
P.O. Box 9554
Allen, Texas 75013
888-397-3742
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