-
Step 1
Go to the Annual Credit Report website by typing this into your browser, or clicking the link in the resource section below. This is the only official free credit report website and it is not a scam and will not ask you to sign up for a membership.
-
Step 2
Request your free credit report. Enter your name, address, social security number and answer 3 questions to verify your identity when prompted. Review your credit information including your accounts in good standing, potentially negative items, personal information, and history of requests for your credit history by potential creditors. You can also find information on disputing items on the report.
-
Step 3
Alternatively, you can go to each individual credit agencies website. They are as follows:
*Equifax Online: http://www.equifax.com. To dispute an item on your credit report follow the link below for Equifax Dispute. For fraud reporting or prevention follow the link below for Equifax Fraud.
*Experian Online: http://www.experian.com. To dispute an item on your credit report follow the link below for Experian Dispute. For fraud reporting or prevention follow the link below for Experian Fraud.
*TransUnion Online: http://www.transunion.com. To dispute an item on your credit report follow the link below for TransUnion Dispute. For fraud reporting or prevention follow the link below for TransUnion Fraud.
Comments
CanningPreserve said
on 2/13/2009 I thought you had to get your free credit report by mail. I didn't know you could do it online for free either.
mom2manyboyz said
on 2/13/2009 thanks for the tips on how to get a free credit report. i didn't know you could do it all online.