You can get a free credit report, no sign ups, no fees, no contracts. Have you ever gone to one of those websites that offer you a free credit report, only to discover you have to pay to get it? 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 credit report. This is for your own protection. Every year you are entitled to a copy of your credit report from each of the major credit bureau companies.
There are deceptive sites and TV commercials, offering free credit reports. When you go to their site, you have to sign up for some credit monitoring program, in order to get your credit report. You can, however, get a credit report, 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 present address
- If you have lived at your present address 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. You will be asked questions like: what bank you have your account, or where you got your car loan or where did 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 will be redirected back to the original page, to start you next credit report request.
If you find anything on you report that is incorrect, you have a right to challenge it and get the item removed. The credit bureau will contact the agency that has reported 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 the results of their findings. I have had many negative items remove from my credit by doing this.
Don’t be Fooled
So, do not be fooled by promises of a free credit report, I do not care how cute the commercial is. FreeCreditReport.com is not free. Go to annualcreditreport.com and get a free credit report. 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 Creditkarma.com for your report and credit score. Their system is not as complete as the major bureaus but will fan idea get your financial status, items in collections and your score.
P.O. Box 740256
Atlanta, Georgia 30374
P.O. Box 6790
Fullerton, CA 92834
P.O. Box 9554
Allen, Texas 75013
Did you know there are things you can do to Fix your Credit Score yourself – Your credit score determines how much of the bank’s money you can be trusted with. If you have items on your credit that you don’t know about, it can hurt you. You do not have to hire a professional get remove negative collection and wrong information, you can fix your…
Don’t let bad credit stop you from renting an apartment or house – OK, so you have made some mistakes in the past and are afraid you might not be able to rent a home. This is not necessarily true in everyone’s case. When renting with bad credit, you have to be creative and think outside the box. Landlords love when you do this…
Goodwill Industries can put low-income workers, back on the road with Wheels to Work – Most of us have seen the Goodwill donation truck parked, ready to receive clothes, books, and other items to help the poor. You may have also visited the Goodwill online thrift store. Goodwill Industries, just like the Salvation Army, have always been dedicated to not only helping…
If you are a resident of Knoxville and need utility assistance, there are several free energy programs that can help you. There are local community action programs as well as government...
The government of the United States has several assistance programs in each state designed to help those in financial need. If you are working and low-income you still may be able to get money to...