How to Get Free Credit Reports

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In order to get a free credit report, a person must simply write to a credit report agency and request a copy. Find out why a letter requesting a credit report should be registered with information from a registered financial consultant in this free video on money management.

Part of the Video Series: Personal Finance Tips
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Video Transcript

This is Patrick Munro, financial advisor, talking about how to get free credit reports. Credit reports are important to the overall sanctity of your financial life, and having excellent credit will move you up in a lifestyle very, very quickly. To get free credit reports under the Fair Debt Collection Act, you can absolutely contact the three major credit report agencies by writing, and they're required to send you, upon your request, a copy of your credit report. You may get their address from your current bank or online, and the three agencies are Equifax, Experian, and TransUnion. And when you send the letter, preferably registered, because your social security number is inside of that letter, and that is the number that will generate the credit report. It will come back to you. And there's no charge for this when you receive it. Once you receive it, make sure you read it very, very carefully line by line and look for any items that are suspicious. If you see any of those items, write a letter back and ask for clarification. This is Patrick Munro talking about how to get free credit reports.


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