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Free Credit Score Report - How to Get a Free Credit Score Report

information you’re reports provide

In this day and age, a person’s credit score is becomes more important with each passing day. Your credit rating affects your ability to buy a car, rent an apartment, and get approved for a home loan. A person’s credit score is even beginning to be seen as indicative of how good they are at taking care of their responsibilities in general. As such, credit scores are even beginning to affect an individual’s chances of finding employment. Identity theft is also very much on the rise. It’s possible for another person to get their hands on your information, open thousands of dollars worth of credit in your name, run up enormous bills, and destroy your carefully maintained credit rating before you’re even aware of the situation.

A free report score can help you stay in the know where it counts.

According to the Fair Credit Reporting Act (FCRA), you are entitled to one free credit score report per year from each of the three primary consumer reporting agencies — Equifax, TransUnion, and Experion. Make it a point to order those three free reports you’re entitled to each year so that you stay aware of the overall condition of your score, even if you have no reason to think it may have changed. Forming this simple habit makes it easier to detect fraud early. It also provides you with all the information you need in order to repair bad credit. You can’t fix a problem until you really know what you’re dealing with and keeping watch over your credit ensures that you’re always in the know.

How do you get a free credit score report?

One way to get your free yearly credit score is to visit the websites attached to each of the three agencies mentioned above. Obtain their direct contact information and use it to request your free annual report. When you order directly via these agencies, you have the option of ordering your reports either via regular mail or by making a toll free phone call. You should be prepared to provide your name, current and previous addresses, social security number, and date of birth to apply for your credit report this way.

Where can I go to get my free credit score report online?

Although there are many sites out there that claim to offer free credit reports, it’s important to note that most of them are not really free. Quite a few of them actually require you to sign up for a free trial membership with your credit card information before they’ll retrieve your report. Then it’s left up to you to cancel the service after the free trial expires in order to avoid hefty subscription charges later. Only annualcreditreport.com is officially licensed by the government to provide your credit report for free. Make sure that’s the only site you trust to provide you with your free credit score report online.

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