Need Your Credit Report? – Here’s Where It’s Truly Free!

Free Credit Report

If you’re ready to inquire about the status of your credit, it’s important to take a look at your credit report and credit score. Here’s how to do it … for free! That’s right, no money need exit your pocket!

Three Credit Reporting Agencies

The “Big Three” credit reporting agencies are (in no particular order) Experian, Trans Union and Equifax. You may have seen several television commercials over the past several years, where various companies tout a means of obtaining your credit reports from the Big 3 “for free”. The problem is that their definition of “free” is certainly NOT mine.

The “Catch”

Here’s the thing: with many of these outfits, I mean, ah, organizations, you also have to enroll in some sort of credit monitoring system that costs money. The imperative is on YOU to opt out of their system and they don’t give you much time in which to do so. Some of their set-ups, I mean, ah, systems cost a minimum of $15.00 per month. For some inattentive persons who fail to opt out in time, that money adds up quickly! I’d rather have that $15/month in my pocket than in someone else’s. Especially when I can obtain the same information for nada. (That’s Spanish for nothing).

Here’s a Credit Report That’s Really Free!

Gotta love the federal government once in awhile, right? [Perhaps that's a discussion for another time]. Under the Free Credit Reporting Act, all you need do is request a copy of your credit report once a year from each of the Big 3. Go to AnnualCreditReport.com or call 1-877-322-8228.