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Home » Categories » Finance » Other Finance » 3 Totally Free Ways to Get Your Credit Report » Printer Friendly

3 Totally Free Ways to Get Your Credit Report

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Submitted Sunday, November 20, 2005
Greg Quincy (1,040)
Greg Quincy
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You can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.

Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free copy of your credit report within a 12 month period from the big three credit report bureaus (Experian, Equifax and TransUnion). The goal of this new government act is to ensure that Americans have the right to stay informed about what these three credit reporting bureaus say about you without having to pay for it. Since identity theft, fraud and errors are quite common today, why should you have to pay for a copy of a report to fight back against these problems?

Here are the 3 ways to get your free annual credit report:

1) The three credit reporting agencies have created a website to request your annual credit report. Go to www.annualcreditreport.com to order your report.

2) Call (877) 322-8228 to request your free credit report.

3) Complete a form from the Federal Trade Comission, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

If you go directly to the three agencies or use any other type of service you may end up having to pay or sign up for the subscription services I mentioned above! Make sure you use one of the 3 methods I have listed to get your annual free credit report.

You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of 1 year. The advantage of staggering the reports that you receive is to keep track of how any major changes in your financial picture affect what is on your credit report. For example, if you plan on getting a second mortgage over the coming year, or applying for student loans, ect. it might be wise to get a report before and after these major events!

This new Act does not supplant the other methods you can take advantage of to receive a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have the right to obtain a free credit report.

Take advantage of this new government regulation and make sure all of the information listed by all three credit reporting agencies are correct. Any errors or omissions can reduce your credit score and end up costing you a lot of money when you apply for any type of credit.

Greg Quincy is the publisher of the website www.financialtipsforyou.com, offering his insights and personal finance budget tips that he has gained from working in the financial industry and the economic challenges of raising a family. Copyright © 2005 www.FinancialTipsForYou.com



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Comments on this article:


» left by Kimberlie from Texas (2 years 314 days ago.)
Reader Rating: 4.5 out of 5
yes, more informative than any where else I have found. Is there an ONLINE site as well?

Respond to this comment

» left by donna adams from justice illinois (2 years 109 days ago.)
Reader Rating: 1.5 out of 5
i was not able to get a report without beening ask for my card number
Respond to this comment

» left by roy from Hardtner (2 years 41 days ago.)
Reader Rating: 3 out of 5
i had to pay for my credit report
Respond to this comment

» left by Barry Smith from Baxter Springs, KS (1 year 333 days ago.)
Reader Rating: 5 out of 5
Can I get a totally free credit score also I got he credit report but would like a credit score for free can you assist me?
Respond to this comment

» left by debbie from UK (1 year 292 days ago.)
i could not get credit report they wanted my card no So its nor free there AD is miss leading
Respond to this comment

» left by Dwaine from Dallas TX (1 year 272 days ago.)
Reader Rating: 5 out of 5
Greg, many thanks to you and your team for supplying such vital information to consumers like myself. It seems that everyone on the internet is out to make a buck. Even those who seem legitimate, at futher examination are not. Your information is accurate and very helpful.
Thanks-a-million. D.G.- Dallas,Tx.
Respond to this comment

» left by JoAnna from North Carolina (1 year 129 days ago.)
Reader Rating: 2.5 out of 5
No!!!.I just want a free credit report. Everyone just wants your cc #. If credit is of such high importance then the credit report should be free!!!

Respond to this comment

» left by Anonymous (1 year 44 days ago.)
Reader Rating: 2 out of 5
how can i get a free credit score? i got a free report

Respond to this comment

» left by Anonymous (288 days 21 hours ago.)
I COULD NOT GET MY REPORT ,BECAUSE IM NOT GOWING TO GIVE THEM MY CARD NUMBER.

Respond to this comment

» left by Anonymous (133 days 10 hours ago.)
This is just another scam to get a credit card number.

Respond to this comment

» left by derick from davis (123 days 11 hours ago.)
Reader Rating: 1 out of 5
credit card companies should put thier helmets on tight and slam them down hard vand mabe they would get the point free credit report= free no credit card needed

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Article added to SearchWarp.com on 11/20/2005 7:26:46 AM.
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