A Free Annual Credit Report from the 3 Major Reporting Companies

By David Caldarelli
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Difficulty: Very Easy
Cost: Free

Under Federal law you are entitled to a free credit report once a year. This report, by law, will show any and all information contained in the files of the three major credit reporting agencies (Equifax, Experian, and TransUnion). To receive your free credit report you must first complete the Annual Credit Report Request Form, which can be completed in any of the following three ways:

  1. On-line. You can request a free copy of the Annual Credit Report Request Form at ftc.gov/credit At this site you will also be provided the option to complete and submit your form.
  2. By Phone. You may also request your free copy of the Annual Credit Report Request Form via telephone. The toll free number is: 1-877-322-8228. Allow up to 15 days for delivery of the form.
  3. By Mail. You may request the form by mail, but be prepared to wait up to 15 days for it's arrival. Send your request to: Annual Credit Report Request Service - P.O. Box 105281 - Atlanta, GA

Whichever option you choose to request your free credit report; remember you should never pay for a free credit report! You are entitled by U.S. law to get your credit report free! No credit card or check required!

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Caution:
Don't overpay for credit counseling.
Quick Tips:
If you find your credit is bad...fix it. Consult an expert. The cost is minimal, and will more than pay for itself.
Credit Repair consultants will be much cheaper online, as they have no overhead costs.
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The On-Line web page where you can provide your information AND receive a copy of the credit report immediately is AnnualCreditReport.com The Only Site other then the FTC site provided by the credit reporting agencies for a FREE report. LINK: https://www.annualcreditreport.com/cra/index.jsp

Just select your state and go from there PERIOD. DO NOT CLICK on any other links on the page as you will be taken to a site where they will attempt to obtain some of your hard earned money! You will receive only one report but can start the process again to obtain all three reports. A good idea is to obtain a copy of all three reports, review them for accuracy, and place them with your tax documents when you prepare your tax filings. YOU WILL NOT receive a credit score (FICO score) which will require a payment but you WILL be able to print out your credit report as maintained by the respective credit reporting agency. My credit reporting page maybe of further assistance: http://realtyvan.com/creditreport.html

Jim VanErmen's picture
By Jim VanErmen 19 weeks 2 days