How to get a free credit report

A credit report holds your official records forborrowing and repaying, including information about late payments, credit cards and loans you may have, accounts in collections and bankruptcy. Getting your credit report, especially before you apply for a loan, is a good way to check for identity theftThere is only one way to receive a free credit report online. Go online to AnnualCreditReport.com or call them at their toll-free  number 1 (877) 322-8228. Through AnnualCreditReport.com, you can order a free report once every 12 months from each of the three credit reporting companies; Equifax, Experian and TransUnion.

When you get your report, make sure all your personal information is correct and that you recognize the companies who requested copies of your report. Find out how to read a credit report and see a sample report here.
If you find any mistakes, immediately contact one of the credit reporting companies below who provided the report. You could save yourself thousands of dollars and lots of headaches just by requesting and reading your free report!
Consumer Credit Reporting Companies
Equifax
1 (800) 685-1111 (toll-free)
Experian
1 (888) 397-3742 (toll-free)
Trans Union
1 (800) 888-4213 (toll-free)
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