Free Annual Credit Report

Are you looking for an absolutely free credit report? A free credit report that doesn’t require an enrollment? Is the credit report you’re looking for, the one mandated by the government? Do you want a copy of your credit report, and not have to use a credit card?

Did you know you can obtain a totally free credit report from each of the three credit reporting agencies annually?

By federal law, (and by some state laws), you are entitled to a free credit report, from each of the credit reporting bureaus, on an annual basis. In order to provide consumers with their free credit report(s), the official site which was created is: (By clicking on this link, a new browser window will open, and you will be taken to the secure website for Annual Credit Report)

The free credit report(s) you’ll receive, contains all of the information relative to your credit history (past and present). It will list your name and address. It may also contain current and/or former employers. Your credit report will list all of your open accounts, such as mortgages, loans, and credits cards. It will show your outstanding balance (as of a certain date), and it will also show accounts you have, with zero balances. A credit report also show any derogatory entries on your credit history, i.e. garnishments, judgments, bankruptcies…

The process you’ll go through at the Annual Credit Report’s website, entails first entering the name of your state.

After entering the name of your state, click “Request Report”.

At this point (step 2), you will be directed to a page which requires you to fill in your personal information. This information includes your name, address, birth date, social security number. If you’ve lived at your current address for less than two years, you must fill in your previous address.

During the process, you’ll also be asked two “security” questions-questions that only you know the answer to.
Following this step, you will decide which credit bureau (Equifax, Transunion, or Experian), you would like to receive your free credit report from. You can get a free credit report from each credit reporting bureau, so it’s up to you whether you want all three at once (so you can compare them), or obtain a credit report from the remaining credit bureau(s), at a later date.

I began with Experian, and was directed to their site. Once on their site, the information I had typed in on step 2, was already entered on their form. I confirmed it was correct, and continued on.

During this process, I was asked if I wanted to purchase my credit score, plus other credit information. I opted not to buy any other credit information at this time.

I got to my credit report, and on the left side of the page, were links to click on. I clicked on each one, reviewed my credit information, and continued on.

At this point, you can also choose to view your credit report online for the next 30 days, or not. You can also print each page of your credit report.

The Annual Credit Report website has a section for “Frequently Asked Questions”, “Fraud Alert” and “About Us”. These sections are worth reading, before filling out your information. This insures that you’re an informed “consumer”.

When studying your credit report, this is the time to check if there are any discrepancies in the information. Credit reports can reveal if you’ve been a subject of identity theft. If you’re in the process of applying for a loan, this is the same information the lender will be looking at. A lender also looks at your credit “score”.

Note: Your free annual credit report does not contain your “credit score”. In order to get your credit score, you will have to dish out a few dollars. To read more about credit scores, check out a previous article of mine “FICO Scores, How Are Yours?”

And, if you’re in the market to refinance your home, I wrote the following article: “Refinancing Your Home”

Take advantage of these three, free, annual credit reports.

Remember, each person has their own credit report and credit score. This includes husbands and wives.

Get your free annual credit report

Annual Credit Report does not ask for a credit card. When obtaining your free credit report(s) at Annual Credit, the only time you will be asked to provide your credit card information, is if you opt to purchase additional credit information. However, you are under no obligation to purchase any additional information.

Annual Credit Report also provides free annual credit reports, either by telephone, or by mail. For more information on receiving your free annual credit reports by mail or telephone, read the section: “Frequently Asked Questions”.

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3 Responses to Free Annual Credit Report

  1. Josh Neumann says:

    Thanks for the info. It’s amazing how many peeopel don’t take advanate of getting a free credit report, wehn it can save you so much money by just finding a few errors.

    As you said, they aren’t that hard to get at all, and if you are thinking about fianncing anything in the near future, they are a necessity.

  2. Hi Josh – You’re welcome. Yes, a credit report reveals a lot and are very important to stay on top of.

  3. Darrin says:

    A lot of people don’t realize that you are entitled to a free report. A lot of times you can even get negative marks removed from your credit by simply disputing them and if the creditor doesn’t respond it gets removed.

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