#my free credit report
Free Annual Credit Report & Score, Equifax Credit Report, Experian Credit Report
Welcome to Report-Free
The only place to get your yearly free credit report from the three reporting agencies is AnnualCreditReport.com. However, before you disappear, you might want to continue reading to discover some great credit reporting tips we are sure you want to know.
Beware of Identity Theft – Watch for Free Annual Credit Report Scams
First, because this is important, we need to warn you about credit report scams. Some unethical people sending emails are simply in the business of stolen identities and fraud. If you receive an email message or phone call offering free credit reports, DO NOT GIVE THEM ANY INFORMATION .
Have we said that strongly enough?
About Your FREE Credit Report
Why is it Free?
The US government passed the Fair Credit Reporting Act (FCRA). It requires the consumer reporting companies [Experian (888-397-3742), Equifax (800-525-6285) and TransUnion (800-680-7289) ] to give you your credit report for free if you ask for it, once every 12 months.
My FICO Score vs. My Credit Report
Why Get your Personal Credit Report?
Your free credit report and score may be used to determine if you’ll
Also, if someone has stolen you identity and opened credit cards in your name, they aren’t going to be paying those bills. It will look like you have been delinquent and are a poor credit risk. And the companies expect to be paid. They may try to come after you.
Here’s another reason. Some car dealerships are less than honest. (We’re being kind.) They may tell you they have to charge you a higher interest rate because they checked your credit and found that you are not a good credit risk, when, in fact, you are. If you have done your homework, you will have your credit report in hand and they won’t be be able to take advantage of you. (We suggest not giving that dealership your business.)
Can you think of a good reason why not to get your free credit reports, except, maybe, procrastination?
Why PAY for a Credit Report When You Can Get One For Free?
Equifax, Experian, and TransUnion will send you a credit report for free every year. But what if something happens between now and a year from now? Even if you stagger your requests to the three companies, there would still be four months between getting your free reports.