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.

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