How to Get Your Free Credit Report Online Now

As a consumer, keeping track of your credit report plays an critical role in your continued ability to qualify for credit, including business loans, mortgages, auto financing and credit cards. Because the details are so important, the federal government requires credit reporting agencies to provide everyone with one free credit report per year. Although you can access your credit report from any company of your choice, Annualcreditreport.com is the only Federal Trade Commission-approved free credit report provider in the U.S. You can use the service to access one or all three of your credit bureau reports.

Instructions

1

Navigate to annualcreditreport.com. Select the state in which you currently live to activate the free credit report application.

2

Enter your personal information into the application. To pull up an accurate credit report, you must provide your full legal name, date of birth and Social Security number. You also must provide your current address and a previous address if you have not lived in your current home for more than two years.

3

Check the appropriate boxes to indicate which free credit report you wish to access: Equifax, Experian or Transunion. Answer the security questions used to verify your identity, which could include previous addresses and names of family members. View your credit reports accordingly.