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Where Can I Get a Free Credit Report?
You may have heard about free credit reports. They are the annual government - mandated reports that the three major credit bureaus are required to provide to consumers if they are requested. Equifax, Experian and TransUnion collect all information about you that goes into forming your credit score. The problem is that they are not always correct, and bad information could be hurting your credit score and costing you money.

If you know your credit score and can see a full report, you ' ll be able to fix any discrepancies and make sure that your report accurately reflects your credit worthiness. I ' m going to show you a fool - proof four step process that you can follow for free to get three free credit reports each year. Get a free credit report by following these simple steps.

Step 1 - Visit the Official Annual Credit Report Website

This is the official government - mandated website that allows you to request one credit report from each of the three major credit reporting bureaus ( Equifax, Experian and TransUnion ).

Step 2 - Fill out the Forms

Just because the credit reports are free does not mean that they have to make it easy on you. Each credit bureau has its own form for you to fill out and request the report. Be careful because they may try to get you to add on other for - pay services. This is important because you are allowed to get one free report every twelve months from each bureau.

Step 3 - Set Up Personal Reminders

Go to your calendar and mark a reminder for 4 months and 8 months from today to request your free credit report form each of the other two bureaus. Doing it this way will make sure that every 4 months you are looking at an up - to - date record from one of the 3 major credit bureaus. That ' s three checks a year, which should be enough to keep your records clean.

Step 4 - Next Year, Do it All Over Again

The bureaus are required to do this every year, so you should take advantage of it. The process will take you 30 minutes each time, so not a big investment for the peace of mind.