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Using Free Credit Reports

Category Credit Rating
There are ways to keep track of your credit score and reporting without having to pay for this service. This page is about using free credit reports.


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Since you are allowed to get one credit report per year free from the three major credit reporting agencies, why not request your free credit report one at a time every four months, from the different agencies? The three main credit reporting agencies are Equifax, Experian and TransUnion. To order your free report you must go through:


call 1-877-332-8228

This is what I am going to start doing. I am not about to pay for this credit report monitoring. I don't know how much I will save, but what I do save goes towards my kids, and every little bit helps!


By Robyn Fed from Hampton, TN

Comment Was this helpful? 5

Get a free credit report yearly and check it carefully. The 3-4 credit bureaus allow you one free credit report a year. We were surprised to find a problem on ours that we did not know about. Home owners insurance premiums can be affected by your credit rating even if they are paid through your mortgage.


By Kim from Franklin Park, IL

Comment Was this helpful? Yes

September 6, 2005

Good time to check on Your credit! Equifax is one of the three biggest credit agencies. You can call them once a year at 1-800-525-6285 to request a free copy of your credit report. You are also allowed a free copy of your credit report if you are turned down for credit.

By Chell

You may obtain a copy of your credit report free once every year. A good idea to do this as you will be informed of what your credit standing is as well as be able to check for any discrepancies.

By Robin

Comment Was this helpful? Yes

January 15, 2007

You can get access your credit report from the three major credit reporting companies for free at Equifax, Experian and TransUnion are required by law to give you access to your credit report once a year for free.


This website makes it easy to request this information.

Comment Was this helpful? Yes
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