WHERE TO GET FREE CREDIT REPORTS?

Years ago, obtaining a copy of your credit reports was not an easy process.

Nowadays, there are plenty of sites that offer free credit reports for all 3 credit bureaus as well as free credit scores and free credit monitoring.

Here is a list of a few places where you can get your free credit reports and free credit scores.

Annual Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the credit reporting agencies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months.

The three credit bureaus have set up one central website, a toll-free telephone number, and a mailing address through which you can order your free credit report.

You may order your free annual credit report via any of the following means:

1. visit: www.annualcreditreport.com.

2. call: 1-877-322-8228

3. Print out the Free Credit Report Request Form, fill it out, and mail to the following address:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

credit karma

Credit Karma

Credit Karma provides free credit reports from Equifax and TransUnion along with weekly updates and free credit scores using the VantageScore v3.0 scoring model.

CreditKarma.com

free credit report

Free Credit Report

FreeCreditReport.com provides consumers with a free Experian credit report which updates every month.

They will try to sell you a credit score but, you don’t really need it since you can get a free Experian credit score on other sites. (Keep reading, they are listed below).

Sign Up at FreeCreditReport.com

Call 800-750-1614 or Sign Up online »

experian credit bureau

Experian

Another site that provides free Experian credit reports and montly updates is Experian.com.

If you notice that the layout of the site looks similar to FreeCreditReport.com – you are right, Experian owns FreeCreditReport.com.

And just like FreeCreditReport.com, they will try to sell you a credit score but, once again, you don’t really need to pay for a score since you can get a free Experian credit score on other sites. (Keep reading, they are listed below).

Sign Up at Experian.com

Bankrate

Bankrate provides consumers with a free TransUnion credit report, free TransUnion credit score (VantageScore v3.0) and weekly updates.

Sign up at Bankrate.com

nerd wallet

Nerd Wallet

Nerd Wallet provides a free TransUnion credit report, free TransUnion credit score (VantageScore v3.0) and weekly updates.

Sign up at NerdWallet.com

wallet hub

Wallet Hub

Wallet Hub provides a free TransUnion credit report, free TransUnion credit score (VantageScore v3.0) and weekly updates.

Sign up at WalletHub.com

credit sesame

Credit Sesame

Credit Sesame does NOT provide any free credit reports but, they do provide a free Experian score (VantageScore v3.0), a credit report card with tips to improve your score, and weekly updates.

Sign up at CreditSesame.com

discover

Discover

Like Credit Sesame, Discover does NOT provide any free credit reports but, they do provide a free Experian FICO score and a credit score card.

You do not need to be a Discover customer to sign up for your free Experian FICO score.

Sign up at Discover.com

If you have any questions about your credit reports, credit scores, or would like to find out how CreditFirm.net can help you improve your credit feel free to contact us at any time. We’re open 24/7.

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