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1 year, 10 months ago via credit-qna.com

What is the best way to get your free credit report?

What is the best way to get your free credit report?

Some free credit report offers aren’t really free . . . they require you to sign up for some sort of credit monitoring or identity theft protection program. These programs often come along with a substantial monthly fee.

Signing up for these programs isn’t a bad thing if that was your desired intention. However, if you want a really and truly free credit report and/or score with no strings attached, whom should you contact?
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annelisle | 1 year, 10 months ago
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There are three major credit-reporting agencies that provide a free copy of your credit report once a year. They are required to provide consumers after a request has been made. These three agencies are Equifax, TransUnion and Experian.

The reports are not automatically sent to you, so it would be best to request these reports by going to AnnualCreditReport.com which the only authorized source for consumers to access their annual credit report online for free.

You can also call them if you don't have any access to an internet by dialing (877) 322-8228 or you can can also complete the form on the back of the Annual Credit Report Request brochure and mail it to this address:
Annual Credit Report Request Service,
P.O. Box 105281
Atlanta GA 30348-5281

A credit report is a rundown of your payment history, list of your accounts, balances and your payment attitude or behavior.
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charray7 | 1 year, 10 months ago
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It seems that once it became a law that we could see our credit report once a year, hundreds of these places jumped online trying to offer this. Unfortunately, like you said, once you get on the site, you find out that it isn’t the official web site and that the web site wants you to purchase some type of credit alert plan or identify theft protection. And of course, this protection is definitely not free.

The official place where you can get your actual, true credit report is https://www.annualcreditreport.com. This one main site will let you request your free credit file or credit report as it is more commonly known as once every twelve months. You can receive this report from the three nationwide consumer credit reporting companies: Experian, TransUnion and Equifax.
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creditbuzz | 1 month ago
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If you are checking it for more than once in a year, the best way is to check it on http://www.freecreditreport.com/ . they provide credit report instantly.

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