Free Credit Report
Getting Your Free Credit Report
It
used to be that the major credit bureaus would allow you one free credit report
without hassle. Times have changed, and those offers are no longer available.
There are still ways to get free online credit reports however.
You are entitled to a free copy of your credit report if you were recently turned
down on an application, and they used your credit report as some basis for the
rejection. If this happens, you will receive a letter in the mail advising you
of the rejection, as well as the credit bureau used, and how to contact them
to request your free report.
Free Online Credit Report With Monitoring
Now considering that very little in life is actually free, you can still get
your free online credit report if you sign up for a trial membership in a
credit monitoring

service. You can cancel the membership before the free trial period is up. However,
we recommend you keep the service, if at all possible. It will keep you updated
on your credit, especially new entries and updates from creditors.
Free Credit Reports By Mail
Another way to get free credit reports is to write a letter to the
reporting
bureaus, tell them you think you are a victim of credit fraud, or identity
theft, and request your report so that you can review it and take action. We
really don't recommend this option unless it's true, since advising that you
may be a victim of credit fraud, or identity theft, could put a notice on your
credit file. If this happens, you will have more hassle when you do apply for
credit.
3-In-1 Online Credit Reports
Since it is quite common for each bureau to have different data about your finances,
we recommend you purchase the
credit monitoring

to get all your information
from all three credit bureaus at once. This also makes it a lot easier to review
and compare the three reports.
With a compiled report, you can easily see if there are any errors, miss-reported
information, or fraudulent activity on your record. You can also see which creditors
are reporting on you, and which are not. With the
credit monitoring

,
you also don't have to learn the different codes each uses to decipher and evaluate
your credit. You receive an easy to understand, plain English, report.
Return to the top of
Getting Your Free Credit
Report
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