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.

All 3 Credit Reports ... Anytime, As Often As You Need

You can get your online credit reports instantly, anytime, as often as you need them, and it only takes a minute from PrivacyMatters




Return to the top of Online Credit Reports ... where to get them.

Return to Your Online Credit Report.




Getting The Answers You Need

Need help to get your expenses under control fast? Check this out.

Be sure and check out the various debt solution reviews, tips, and articles provided on DebtSteps.com:

Find Your Solution offers a comprehensive list of reviews to get out of debt once and for all. Get answers on bankruptcy, consumer credit counseling, debt settlement, money management, budgeting, loans and mortgages.

Debt Relief Tips & Articles to guide you on your way to financial freedom. Get the lowdown on dealing with debt collectors, handling money problems, understanding your credit, and more.




Credit Tips

Your Credit Score & Making Debt Relief Choices. Between your score, and your credit report, your financial health depends on obtaining, and maintaining, a good credit rating.

Getting free credit reports to protect your credit. Know your credit, get your free credit report without a credit card every year with new credit card laws.

Online Credit Reports. Where To Get Them ... Free Reports By Mail.

Contacting The Major Credit Bureaus. If you have questions about your credit report, here is how to contact the credit bureaus.

How To Get A Free Credit Report. It used to be that the major credit bureaus would allow you one free credit report without hassle, times have changed!

Evaluating Your Credit Reports For Debt Management helps you understand, how to read and evaluate your reports.

Your credit history is your financial life! Protect your credit history to enjoy a rewarding financial life.

Credit repair can be done, but be sure you do it right. Finding a loan or credit card with bad credit isn't hard, getting a decent interest rate can be. Find out what you need to do to repair your credit so you can qualify for loans and credit cards.

Repairing your credit is a multi-step process. Here are the step-by-step keys to fixing your credit score and reports, yourself.

Can You Quickly Fix Bad Credit? If you can quickly fix bad credit scores, should you and how do you do it?

What is in your FICO score? Find out what is there and what will improve your ratings the fastest.

Contact the three major credit bureaus ... addresses and phone numbers are here.

Define Identity Theft ... are you a potential victim?

Ways to prevent Identity Theft ... are you safe?

Documenting your Identity Theft case ... steps to reporting fraud.

Using Your Online Credit Report In Debt Management Debt Relief will affect your reports and credit scores. No matter which debt relief option you choose, it is likely to have either a temporary, or long-term, negative effect on your credit.

Credit to Debt Ratio - how it affects your credit and your credit line.








Online Credit Reports & Where To Get Them. From fee paid to free online credit reports.