It's free, you're entitled to it, why not see what your credit report says about you

The Fair Credit Reporting Act (FCRA) gives you the right to receive a free copy of your credit report, at your request, once every 12 months, from the three major credit reporting companies: Equifax, Experian, and TransUnion. Included in your report is information on where you live, how you pay your bills, if you've ever been sued, filed bankruptcy, or been arrested. What is in your credit report is sent to companies who request this information, to be used in deciding whether to extend additional credit to you, rent an apartment to you, sell you the house, car, or insurance, or hire you. Since it's free to you as well as a good idea, we recommend taking advantage of this free offer to keep an eye on what the credit reporting bureaus are saying about your credit and financial standing.

How Can I Order My Free Report?

There are many places that will assist you in receiving your free credit reports. You can receive free credit reports online, by telephone, or by mail.

  • is the official site to help you obtain your free credit report.
  • from Experian will deliver your report online in minutes. Fast, free and easy!
  • claims they have been America's #1 choice for 10 years, with more than 14,000,000 customers.
  • gives you a 3 bureau credit report in one easy to read report.
  • Consumer Finance Portal Online credit reports service to help you obtain your free report and 3 credit bureau report from Experian, Equifax, and TransUnion as a well as a free credit score.
  • What Information Do I Need To Provide?

    You'll need to provide your name, address, Social Security number, and date of birth. If you have moved in the past two years you will also need to provide your previous address. For security purposes you may also be asked to provide the answer to something that only you would know, like the amount of your monthly mortgage.

    Why Should I Get a Copy of My Credit Report?

    You'll want to verify the accuracy of your credit report since it affects so many aspects of your life--like getting a loan, a job, an apartment, or insurance. If you do this before you apply for the loan, etc., you will have time to review it and correct anything that might not be right. And getting an annual report will help guard against identity theft. Getting one each year makes sense in this case, so that it will be easier to clean up your report in the event someone has used your identity for fraudulent purposes. With the adoption of risk based pricing in the financial services industry, checking your report has become even more important since it is usually the only element used by financial institutions to choose the APR (annual percentage rate).

    Since you are entitled to this service and it's free, why not take advantage of it, and get your free copy each year? Check and see what these three bureaus say about your credit before you need to apply for a loan, apartment, insurance, etc. You'll be able to report misinformation, take steps to correct that misinformation, and guard against identity theft by knowing what's in your report. Be an informed consumer by taking advantage of this free opportunity.

    While considering a credit card, most of the people prefer generic cards offered by their bank. Normally this offer comes in the form of business credit card. It is a type of short term debt that helps to manage the financial requirements of a business. After issuing the card, companies provide all types of credit card information on regular basis in the form of a credit report so you can know your credit score and financial standing. The major advantage of this free credit report is the checking of identity theft, errors, frauds and out of date information.

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