Are there Free Credit Report Companies? How to Get Your Credit Report for Free.

The leading credit bureaus - Equifax, Transunion, and Experian - all would like you to pay to check your credit report. By US law, however,they have to make it available to you for free. You can view your credit reports from all three agencies, once every 12 months, for free. It is very important to periodically review your credit report and report any inaccuracies or errors, and cancel or close old credit cards or accounts you aren't using anymore.

A. Go to Annual Credit Report Company

B. Select your state from the pull down menu, and fill in your personal information.

C. Request credit reports from all three main credit reporting agencies (Equifax,Experian, TransUnion), as there is no charge.

D. It is a good idea to have account numbers and loan statements with
you at the same time, as the Credit Reporting Agencies may ask you for account numbers and payment amounts to verify your identity.

E. When you go to each site, be sure to print the report. They will not
be sent to you in the mail if you order them online. Equifax especially tries to make this confusing, but there is a link on the first page on the left to print report.

G. They will all try to get you to pay another $7 to get your score. Do not buy this unless you specifically need this. This is NOT your credit score!

Ensure that you read your report thoroughly for errors , Equifax will generally ask a security question (ie, outstanding loans and payments amounts) for verification. Instead of ordering all three reports at one time, you may want to stagger them throughout the year since you only get one per company per year.

The Easiest way to order your free annual credit report is by use of the Annual Credit Report phone system. This number is 877-322-8228. No verification necessary on the phone,as long as the Credit Reporting Agencies have your present address or visit www.24hrcreditfix.com