How do I get a free copy of my credit report?

You are entitled to one free copy of your credit report each year from each of the three major credit reporting companies. Since the information from each company should be very similar, you can check your report every four months by simply requesting from a different company each time. You do NOT have to pay for these reports; the companies may try to sell you additional services (such as your FICO score or credit monitoring services), but you DON'T have to buy anything to get your free report. There are many look-alike sites around; if a site requires you to enter a credit card number before providing the report, you're at the wrong place. AnnualCreditReport.com is the ONLY site authorized under Federal law to provide this service.

You can also request a free credit report anytime you are denied credit as a result of information on your credit report. So, for example, if you apply for a credit card and are turned down, you can request a free copy of your credit report. When you are told you have been denied credit, you should also receive information about how to get a free copy of your credit report (in this case, don't use the website above, use the information from the letter).

More Information: AnnualCreditReport.com

Tagged With: Credit & Finances,  General Business