Totally Free Credit Report

You got here on this page because you are looking for ways to get a totally free credit report and in a few seconds you'll know all you need to know about getting one.

Here's where you need to bookmark:

https://www.annualcreditreport.com/

Once every 12 months you are able to see your credit file and credit history from the three major credit reporting agencies. You can tell it is a secure site because of the "s" after the http

This is the government's run site that is sponsored by TransUnion, Experian, and Equifax. Since you can get one free credit report from each bureau the best advice is to spread out your requests every 4 months.

This way you can keep an eye on your credit file and make sure there are no errors in it that are causing you to pay higher interest and insurance rates. On the site you will also find tools and forms to help you dispute any inaccuracies in your file.

One thing you won't find for free on the federal credit report site is your credit scores. Those are not free, The government has not passed a law saying we can get those free with our credit reports. You still have to pay for those. When you get your totally free credit report they give you a chance to purchase your credit score from each credit bureau for a nominal fee.

This is a better option if you just want to see your score and do not want to be signed up for one of those free trial credit monitoring memberships. There are several places you can get a totally free credit score along with your credit report, but you do have to start a free trial of credit monitoring.

You can get around this by buying it one time when you get your report. You won't be able to see the effects of eliminating negative items from your credit report on your credit score.

That's one other benefit of free credit score services, you could check your score every day if you so choose. Hopefully you do not have that much time on your hands.

Either way, it is a good idea to get your free reports from the government's site every 4 months to be aware of what is in your records and what should not be in your records. You can also request to add positive information if you find one bureau is not reporting all the credit history you have.