How Do I Get A Free Annual Credit Report – Under federal law, you can get a free copy of your credit report each year from Equifax, Experian, and TransUnion. You can obtain it online by visiting one or all 3 credit bureaus.
The Fair Credit Reporting Act (FCRA) requires the agencies by law to provide you with an annual report. Your copy includes information on where you live, how you pay your bills, or have filed for bankruptcy. Employers and other businesses that use it to evaluate your applications for employment, insurance, employment, or when getting a loan.
There are background information services on the Web that are absolutely free while others charge a fee. This is different than your online credit file.
Other websites that claim to offer “monitoring” or “scores” are not part of the legally mandated program. These services are offered by the agencies and come with a fee. Also, learn how to detect imposter sites by verifying the URL or Web address, and make sure you are on the official site.
Some of these imposter sites direct you to other sites that try to sell you something or collect your personal information. Make sure you are at one of the official sites when ordering a free copy of your annual report.