Free Annual Credit Reports

• Go to annualcreditreport.com.
  


• Select your state.
  


• Fill out the personal information form so they can find you.
  


• Select the credit agencies you want a report from.
  


• The program will send you to each agency you requested a report from.
  


• Return to annualcreditreport.com using the button at the top of the page to move on to the next agency.
  

TransUnion gives you your free credit report online immediately. You can print a copy right then and there or return to print it anytime within the next month.

Experian will require you to answer some questions about your credit history to verify your identity. Provided you answer the questions correctly, they give a printable version of your credit report and a report number so you can go back and get it again later at www.experian.com/consumer.

Equifax asks security questions about your credit history as well, to verify your identity. I was unable to get my credit report online at Equifax because I may have answered a question wrong. They asked me to verify information about a mortgage loan, opened in or around June 2005. I didn't open a mortgage loan in 2005! (From past experience I know that they will ask you bogus questions to make sure you say "none of the above".)

For some reason, they didn't like my answer and requested that I order my credit report through the mail and provide proof of my identity. What a bother!

BUT....

What if someone else has opened an account using my identity? (Identity theft happens all the time, ya know.) The only way to find out is by checking ALL of your free annual credit reports!

If you are concerned about identity theft, then you may want to stagger your orders of the free annual credit reports OR get them more often.

Get an Equifax 3-in-1 Credit Report Now!