Online Credit Reports

& Where To Get Them ... Free Reports By Mail

There are now 4 ways to get a copy of your credit file for free:

if you think you have been a victim of credit fraud or identity theft;
the law now allows you to get a copy once annually from the major credit bureaus;
if you were turned down for credit within the last 30 days; and
as a bonus for signing up for credit monitoring.

You can write a letter to one or all of the major credit bureaus, and request a copy of your free report for the first three items above:

Equifax Information Service Center
PO Box 740241, Atlanta, GA 30374-0241

Experian National Consumer Assistance Center
PO Box 9595, Allen, TX 75013-0036

Trans Union LLC, Consumer Disclosure Center
Springfield, PA 19064-0390

Getting Your Free Credit Report Without A Credit Card

A new law added to the The Fair Credit Reporting Act (FCRA) says each of the nationwide consumer credit reporting agencies - Equifax, Experian, and TransUnion - must provide you with a free credit report without a credit card, upon your request, once every 12 months.

You do have to make the request however; but the Federal Government has made that exceptionally easy. Just visit AnnualCreditReport.com each year to request your annual free credit reports.

The fourth way to get free online credit reports is to sign up for a credit monitoring service that offers the report as a bonus.

This site offers you more than a free credit report ... you'll also receive a free credit score and free debt analysis when you subscribe to their credit monitoring service. All this online in seconds. From a name you can trust, Credit.com .

Credit Report Monitoring Services

Get protection now!

Just The Report Without Monitoring Services

We highly recommend Credit.com to obtain your free online credit reports, or fee paid reports. One reason is the value, but also, when you request your online credit reports from them, they ensure your personal request does not get marked and adversely affect your credit record. This is not something every provider offers.