Where can I go to actually get a FREE credit report?
Sep 08, 2010 in
Business
They all say "free credit report" and as soon as you get to the last page of questions, they ask for your credit card.
I know there’s a place some where because I did it once before. I could choose between three different companies. I just couldn’t get my score.
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12 comments
Michael W on September 8, 2010 at 3:58 pm
http://www.annualcreditreport.com
This is the goverment mandated once yearly free credit report site.
and you don’t have to choose which company, you can get all three free.. Equifax, Experian and Transunion. But you do not get a credit score, just the report details.
Do Not go to FreeCreditreport.com They enroll you in a credit monitoring program that has a monthly fee. The government made them put a disclaimer on the front page of their website. I will post its contents below.
"MPORTANT INFORMATION:
When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don’t cancel your membership within the 30-day trial period, you will be billed $14.95 for each month that you continue your membership.
ConsumerInfo.com and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to http://www.annualcreditreport.com"
jatay on September 8, 2010 at 3:58 pm
http://www.freecreditreport.com
I did it a few years ago and didn’t pay anything.
chinge7 on September 8, 2010 at 3:58 pm
annualcreditreport.com…..we all get one free every yr from all three credit bureaus :)
junebug on September 8, 2010 at 3:58 pm
try an automobile dealership..and make sure you get Transunion and Equifax..No one uses esperion..except freecredit report.com
wilmcell on September 8, 2010 at 3:58 pm
Exactly what the first answer said. You can check it once a year absolutely for free. No credit card required. It’s the only one that I know of that doesn’t ask for a credit card in exchange for some free trial period membership. Be leary of those. I signed up for them and more than once they charged me after I cancelled. I got my money back but it was just a pain.
shewrites on September 8, 2010 at 3:58 pm
You’re entitled to a copy of your credit report FREE, at least once a year from the credit reporting agencies themselves (Experian, etc.). You can call them or visit their websites to request a copy. You don’t have to pay for your own info.
Dick W on September 8, 2010 at 3:58 pm
Equifax.com They will do it free for 30 days
JFK on September 8, 2010 at 3:58 pm
If you have bank of America you can sign up for privacy assist premiere and they send you a free credit report for no charge. Just make sure you cancel within 30 days after because you they’ll charge you if you don’t cancel
PLVS_VLTRA on September 8, 2010 at 3:58 pm
The fact is nothing is actually free… though if you bank, your bank should actually be able to provide you with a credit report, free of charge. Remember that checking your credit gives it a hit and lowers your score slightly. Good luck.
One Tired Mamma on September 8, 2010 at 3:58 pm
Equifax.com is one of the major ones that give it free once a year. I can’t remember the other two I think one is TransUnion and ?
good luck
kmkagreen on September 8, 2010 at 3:58 pm
I just pulled mine last night from annualcredit report.com…go with the first answer, that one is the best…
giggal abean on September 8, 2010 at 3:58 pm
# Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.
# Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.
# To obtain free credit reports, a person needs to log in to the website http://www.annualcreditreport.com. This is the federal law authorized source to get a free annual credit report.
# Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.
# If you have been denied a credit, you can apply for free credit report from these three credit rating agencies.
# The three different credit rating agencies maintain different credit reports and each one of them has to be obtained in order to get a comprehensive picture of your credit report.
# Credit report has 4 different parts: identifying information about the individual, credit history, public records, and inquiries made to the credit file. Read more from:http://www.credit-card-gallery.com/article/274,15_facts_everyone_must_know_about_credit_reports