How does one get the free credit reports from the three credit agencies, to which we are entitled?

Question

(Experian, Transunion, and Equifax)

Answer 1

The only web site that offers a truly free credit report, via US legislation, is the one listed below. All others are commercial sites that require credit card numbers, cash or some other form of payment. Even though the others are entitled "free", they often limit their service to you also agreeing to pay for some other form of credit reporting, at a considerable price.

Answer 2

Everyone is allowed to view all 3 credit reports for FREE once a year. After that, you have the chance to view it again if you are ever turned down for any type of credit - anywhere (car, credit card, etc.) Simply request a copy of your credit report (if it was ran) at the time your application is rejected. They are obligated to show it to you. I also strongly suggest going on the the Equifax web site. They have tons of helpful (easy to understand) information that can help you with ALL aspects of learning more about your credit reports. For a small monthly fee (I believe $6.95 a month) you have access to your credit report every single day and they will immediately notify you of any transactions on your report via e-mail. Pretty cool stuff. I did that for a few months to get my report in perfect order and raised my FICO scores considerably. It was well worth the few dollars. You could join it for a couple months, work on your credit and then cancel. You should check it out. It helped me learn a lot!!

Answer 3

You are entitled to see your report and you can get a free copy simply by filling out a credit application somewhere. Once the report is filed you can get a copy from the reporting agencies. I see a lot of disadvantages to this- (like letting them know where I live)- but that's how it works. ALWAYS take the disability insurance option. Good luck.

Answer 4

both Experian and Equifax furnish paper credit comments for £2 lower than the files secure practices Act. deliver them a postal order for £2 and also you`ll get a credit record deliver to you interior 7 days. Its well worth checking both, as they don't continually carry the same information. that is the most inexpensive you receives them for. you should use someone elses card to get the experian loose trial (in case you'll get a chum of chum to aid you employ your card), yet you need to bypass with the help of more beneficial verification checks that is somewhat bit a paid. the internet comments although are a lot extra particular then the paper variations. links to both between the £2 supplies are shown decrease than.

Answer 5

Here are a couple of websites to obtain a free credit report. I've never used them, by I noticed them while searching the web:

http://www.free3bureaucreditreport.com/?sid1=YF102

http://www.freecreditreport.com/Default.aspx?SiteVersionID=418&SiteID=100133&sc=643700&bcd=em02&WT.srch=1

If you were recently declined for credit and know the date your credit report was pulled, you can go on each of the repositories websites and get a copy (you are entitled to one free copy per year). The websites are:

http://www.experian.com/

http://www.transunion.com/

http://www.equifax.com/cs/Satellite?pagename=Home

Answer 6

the only way that i know is to go apply for a credit card like at walmart and when they send you the accepted or denied letter it will give you a address to write to get your free credit report from the three agencies.

Answer 7

Beware sure you goto free credit report . com and you get one but heres the the tricky part you have to enter your credit card # and in the rules it states you get one free then every 3 months they will charge you for the next one .

They claim all you have to do is quit and you won't get charged well you have to get the phone number and call them sound easy ??

Well let me put it this way AOL was easyer to leave then them

Answer 8

its free safe and you can do it online they ask you questions only you can answer .www. free creditreport.com