GET YOUR FREE ONLINE CREDIT REPORT

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.

  • AnnualCreditReport.com is the official site to help you obtain your free credit report.
  • FreeCreditReport.com from Experian will deliver your report online in minutes. Fast, free and easy!
  • FreeCreditReportService.com claims they have been America's #1 choice for 10 years, with more than 14,000,000 customers.
  • Securecreditreports.com 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.

    Resource Index

    Audio-Video-and-Cameras:
    Plasma TV, LCD TV, MP3 Players, TIVO, Satellite TV, Dgitial Cameras, Digital Camcorders, Bose iPod Speakers, Multimedia Projectors, GPS, Blu-ray Disc

    Computer and Accessories:
    Choosing a Laptop Computer, Computer Memory Upgrade, Copying a Hard Drive, Dual Monitors, Networking Computers, Microsoft Office, PDA's, Cheap Ink/Toner, Color Laser Printers, Multifunction Printers, Scanners, USB Flash Drives, Wireless Printers, Dell computers, Wireless Routers, Wireless G Routers, Wireless N Routers, Laptop Carrying Cases

    Computer and Video Games:
    Age of Empires III, Battlefield 2

    Entertainment:
    Online Gambling, Poker, Routlette, Blackjack, Craps and other Online Games, Online Casinos, Movies, Online DVD Rentals, Home Theater Systems , Home Theater Components, HDTV, HDTV Buying Tips, HD Radio, Portable DVD Players, Magazine Subscriptions

    Fun-Hobbies:
    Tropical Fish, Aquariums, Scrapbooking, Rubber Stamping, Geneology, Geocaching, Soap Making, Candle Making

    Legal:
    Criminal Defense Attorneys, Tax Attorneys, Lemon Law Protection, Structured Settlements, Investment Fraud, Bankruptcy Attorneys, Personal Injury Attorneys, Family Law

    CellPhones-and-Communication
    Cell Phones, Cell Phone Carriers, Prepaid Cell Phone Plans, Cell Phone Ringtones, Headsets, VOIP, Cheap Long Distance, iPhone, Blackberry, Bluetooth Technology, SmartPhones

    Jobs-Schooling
    Online College Degrees, Business Degrees, Home Schooling, Drivers Education, Job Resumes, Online Job Search
    Internet:
    Cybercrime Prosecution, IE Security, Affordable Web Hosting, Web Hosting, Domain Name Registration, Search Engines, Web Site Design, Internet Mailing Lists, Blogging, Internet Serive Providers, Free Email, Clip Art

    Finance and Insurance:
    Auto Insurance, Car Insurance Quotes, RV Insurance, General Insurance, Travel Insurance, Business Insurance, Basic Guide to Consolidating Student Loans, Cash Advance Loans, Federal Student Loan Consolidation, Debt Consolidation, Debt Management, Credit Card Debt Consolidation, Free Credit Reports, Home Mortgages, Home Equity Loans, Mortgage Refinancing, Mortgage Rates, Mortgage Companies, Second Mortgages, Mortgage Brokers, Health Insurance, Insurance Quotes, Term life Insurance, Mortgage note buyer, Renter's Insurance, Household Budgeting

    Home:
    Home improvement, Outdoor Lighting, Kitchen Remodeling, Kitchen Countertops, Espresso Makers, Food Processors, Coffee Makers, Coffee Grinders, Slow Cookers, Popcorn makers, Blenders, Cutting Boards, Refrigerators, Freezers, Washers & Dryers, Bathroom Remodeling, Kitchen & Bathroom Faucets, Bathtubs, House Windows, Closet Organizers, Window Treatments, Hardwood Floors, Carpeting, Home Security, Water Heaters, Water Filters, Carbon Monoxide Detectors, Bamboo Flooring, Portable Air Conditioners, Dehumidifiers, Siding, House Cleaning Services, Home Organization, Vacuum Cleaners, Cannister Vacuum Cleaners, Handcheld Vacuum Cleaners, Upright Vacuum Cleaners, Stick Vacuum Cleaners, Wet-Dry Vacuum Cleaners, Furnaces, Fireplace Inserts, Electric Space Heaters, Pellet Stoves, Wood Stoves, Heat Pumps, Buying a used car



    Business-Office-Supplies:
    Discount Office Supplies, Home Office, Office Furniture, Copiers, Home Business, Business Cards, Business Brochures, Mailing List Companies, Affiliates, Franchises, Business Telephone Systems, Employment Agencies, Call Centers, Fax Machines
    Health and Wellness:
    Fioricet for Migraine Relief, Online Pharmacies, Phentermine for dieting, Tramadol for Chronic Pain Relief, Mesothelioma, Mesothelioma Lawyers, Acne Treatment, Contact Lenses, Drug Rehabilitation, Cerebral Palsy, Hair Loss, Hair Loss Products, Human Growth Hormones , Diet Pills, Treadmills, Fragrances, Reducing Cholesterol, Diabetes, Obesity, Arthritis, High Blood Pressure, Heart Disease, Acid reflux, Cialis, Understanding Depression, Unraveling Diet Plans, Erectile dysfunction, Lipitor, Sleep Loss, Viagra, Autism, Asperger Syndrome, Living With Depression, Bipolar Disorder, Seasonal Affective Disorder

    Gifts:
    Gift Ideas, Corporate Gifts, Gift Cards, Wristwatches, Replica Watches, Sunglasses, Wholesale Jewelry, Jewelry Boxes, Wedding Gifts, Food Gifts, Books, Music, Flowers, Gift Baskets, Candles & Candleholders, Chocolate & Candy

    Sports:
    Health Clubs, Home Gyms, Treadmills, Golf, Golf Vacations, Golf Schools, Golf Clubs, Fantasy Baseball, Fantasy Basketball

    Travel:
    Railroad Train Travel, Greyhound Bus Travel, Moving Guide, Rental Cars, Luxury Cruises, Maui Vacation, Spain Travel, Panama Cruise, Mexico Travel, Europe Travel, Disneyland Vacation, Disney World Vacation, Airline Tickets, Las Vegas Vacations, Las Vegas Sights, Las Vegas Entertainment, Las Vegas Dining, Lake Tahoe, Reno Vacations, Grand Canyon Vacation, Alaska Vacation, San Juan Island Vacation, Seattle Vacation, San Francisco Vacation, San Diego Vacation, SeaWorld Vacation, Yellowstone Park Vacation, Los Angeles Vacation, Bed & Breakfasts, Las Cruces New Mexico Vacation, Texas Hill Country Vacation, Columbia River Gorge Vacation, Albuquerque Vacation, New Mexico Vacation, Utah Vacation, Denver Vacation, Carlsbad Caverns, Branson, Missouri, Arizona Vacations, Jackson Wyoming, Skiing Wyoming, Skiing Oregon, Skiing Utah, Skiing Colorado, Skiing California, Skiing Washington State, Skiing Idaho

    Yard-and-Garden:
    Lawn Care, Patio Furniture, Hot Tubs & Spas, Gazebos, Fences, Decks, Barbeque Grills, Greenhouses, Patios, Sprinkler Systems, Landscape Design, Backyard Ponds, Bird Baths, Hedge Trimmers, String Trimmers, Wheelbarrows and Gardencarts, Lawn Mowers, Lawn Mowers, Lawn Care Tools, Lawn Edgers, Leaf Blowers, Now Blowers, Rakes