free credit reports

In the last couple of weeks I've gotten 2 free credit reports. I wanted to share how and where I got them. A lot of you may already know how to get a free credit report, but for those who don't, this is how I got them:

1. I've found out by doing research and reading other smart people's blogs/articles that the only one of the three credit bureaus with an actual FICO credit score included in the report is Equifax. I did a google search for "Free Equifax credit report" and came up with this website: www.CreditReport.com/Equifax. This one was the most detailed free report I've ever gotten. Just make sure you call and cancel your free trial so that you don't get charged after 30 days. I signed up, got my report, printed a PDF of it, and then called and canceled about 30 minutes later. They will of course try to keep you, but if you insist that you definitely want to cancel, they will do it rather quickly.


2. The second place is http://www.experian.com/. When you go to thier website, there's an add for a free credit report and score. Go through the steps, you'll get your report, save it somewhere so that you can always look at it again when you want, then make sure you call and cancel.

3. The final way that I have obtained a free copy of my credit report is by going to https://www.annualcreditreport.com. Federal law requires the 3 credit bureaus to provide 1 free credit report a year to everyone. So, if you haven't already done this in the past 12 months, you can go get your free annual credit report. When I did it, I only got results from Equifax for some reason, so don't be shocked if your TransUnion and Experian results don't show up. Not sure why that is.

There are a few other websites that provide a free trial for a credit report, but the above are ones that I've personally used and know to be trustworthy. Hope this helps someone. Happy credit checking!
SMB

This entry was posted by Stephanie Briones, on Wednesday, July 18, 2007. You can leave your response.