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September 15, 2010 at 2:09PM

RealDeal

  • Joined: Mar 2008

Is there anywhere to go to get a truly free credit report?

It seems like all the credit reporting places require you to sign up for something in order to gain access to your credit report.
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September 15, 2010 at 2:17PM

dealtown

  • Joined: Jun 2010

Re: Is there anywhere to go to get a truly free credit report?

By law, you're entitled to one free credit report each year. http://www.annualcreditreport.com is the only authorized source for this (and it is totally free). You can find more info at http://www.ftc.gov/freereports.

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September 15, 2010 at 2:42PM

livelaughsave

  • Joined: Jul 2010

1 of 1 people found the following reply helpful:

Re: Is there anywhere to go to get a truly free credit report?

Yes, http://www.annualcreditreport.com is the only place to legitimately get a free anual credit report. You will be able to request a FREE report from each of the three major credit reporting agencies...Experian, Trans Union and Equifax. Since you're entitled to a free report from each of these agencies on an annual basis I would suggest staggering your requests so that you can monitor your credit report all year long for free. Most of the same information is contained on each report. So, for instance, you could order your free report from Experian now. Then, in four months order your free report from Trans Union and in another four months order your free report from Equifax. You will then have successfully monitored your credit all year long for FREE. This is especially helpful for keeping an eye out for identity theft!
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September 16, 2010 at 9:15PM

FrugalForMyFriends

  • Joined: Sep 2010

Re: Is there anywhere to go to get a truly free credit report?

You might also check out https://www.creditkarma.com/ which is a free site that pulls your TransUnion credit report and gives you an analysis of it. It'll tell you a credit score which is basically their estimate of your FICO score, but it isn't exact.

This is a legitimately free site, but they use targeted advertising based on the information in your credit report, and that could make some people uneasy. When I log into my account, it shows a bunch of ads for credit cards and mortgages which are supposedly better than my current ones. I don't pay much attention to that stuff.
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September 17, 2010 at 11:24AM

savingmoneyplan

  • Joined: Nov 2009

Re: Is there anywhere to go to get a truly free credit report?

Yup - you get three a year through annualcreditreport.com!
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October 2, 2010 at 3:02PM

alwaysrootn

  • Joined: Sep 2010

Re: Is there anywhere to go to get a truly free credit report?

YES! annualcreditreport.com You may access it once a year, for free.

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October 5, 2010 at 11:00AM

janedick247

  • Joined: Oct 2010

Re: Is there anywhere to go to get a truly free credit report?

I have found a couple of them on http://www.cardtrak.com/credit_reports

I signed up for the free trials and I'm very good at canceling in time... I'm impatient so I like to get everything online and I don't have the time to mail in for my free report I'm entitled to.
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