How to Obtain Free Credit Reports

Everyone in entitled to get one free credit report from each of the 3 major credit bureaus – Experian, Equifax, and TransUnion – each year. It is advisable to do so whether you know of any problems with your credit reports or not – It never hurts to be well-informed!

It is very simple to order your free credit reports online. Simply visit https://www.annualcreditreport.com/ and follow the instructions. You can revisit the site once every 12 months and can also request the free reports by phone or through the mail. The credit bureaus do try to “up-sell” you on other items, but you can go through the process without purchasing anything at all.

Once you have accessed your free credit reports, you may find errors in it that you wish to repair. You can go about doing this yourself, but dealing with the credit bureaus can be time-consuming and frustrating. It is advisable to retain one of the reputable credit repair services to do the dirty work for you. These services are law firms that have dealt with the credit bureaus for years, so they know how to approach them and get errors in your credit report fixed.

If you want to check your credit report more than once per year, it is advisable to subscribe to one of the available credit monitoring services, as subscribing is less costly than purchasing a credit report each month. Depending on the credit monitoring service you choose, you can check one or all of your credit reports from the three credit bureaus each month and can receive notification of any changes via email. This will help you ensure that errors in your credit report are being fixed and/or that more are not being made. Checking your credit report regularly also helps protect you from identity theft.

Obtaining your free credit reports is quick and simple, so get yours today and take the first step towards being knowledgeable about your credit!