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Free Annual Credit Reports

1 - I can do better 2 - Jury's out 3 - Pretty darn good 4 - Splendiferous 5 - Awesometastic (by 8 people)   Your rating: 1 - I can do better 2 - Jury's out 3 - Pretty darn good 4 - Splendiferous 5 - Awesometastic

Ranked #5103 in How-To, #50607 overall

Rated G. (Control what you see)

Get your Free Annual Credit Reports.  Yes, FREE!  (The kind of free that has no strings attached.)  Once a year, you are eligible to get a free credit report from each of the three major credit bureaus.  Here's how....

How To Get Your 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 Credit Report 

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 Credit Report 

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 Credit Report 

Why You Need to Check!

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!

Identity Theft Prevention 

When Once a Year is not Enough

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!

Reader Feedback 

Hey! If you found this lens helpful, please leave a rating using the stars at the top of the page. Comments are always welcome too. Thanks!

george08

Great lens there!
In visiting some sites I find these Public Records and Background Check Resources 2 sites useful also that interest me.

Posted May 03, 2008

How To Read A Credit Report - Top Internet Guides

I thought my article on how to read your credit report might be useful.

How To Read A Credit Report is part 1 in Top Internet Guide's new Mastering FICO series, where we explain everything you need to know in order to manage your credit.

I hope the information in this guide proves valuable for your readers.

-Steve

Posted April 17, 2008

PM

So far as I know, there is absolutely no problem with ordering a credit report through the channels set up by the Federal Trade Commission in compliance with the Congressional mandate to receive these reports. Feel free and safe when you click on www.ftc.gov (which provides a link to the official site) or www.annualcreditreport.com to order your free credit report.

The many web sites that offer free credit reports are probably mostly benign. But do you need to have your personal information and especially your Social Security number floating out there among so many unknown parties? Hardly seems necessary where there is a relatively secure (well yes, there is that Experian thing) government sponsored web site.

Posted April 04, 2008

OBurke

Very Simple and well explained

Posted December 27, 2007

ShortSaleRealtor

great lens 5 stars 4 u

Posted December 17, 2007

 
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kcgagne

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Kathleen Gagne, known by her peers as "K.C.", is a work at home mom of two young children.  She and her family currently reside in Western North Carolina.

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