How to Receive a Free Credit Score Report

The best way to keep track of your credit score is by viewing your credit report, which can cost money depending on how often you view it. It's no secret that there are lots of companies offering free credit reports, but many of them are just trying to lure you into signing up for their paid service. What many people don't realize is that the three major credit-reported companies, Equifax, TransUnion and Experian, are required by the Fair Credit Reporting Act to give you a free credit report once a year. There are a few different way you can request your annual credit report.

Instructions

1

Visit www.AnnualCreditReport.com and request your free annual credit report from their homepage. AnnualCreditReport.com is the only online company authorized to let consumers obtain their free annual credit report.

2

Dial (877) 322-8228 and follow the touch-tone menu, or request to speak to an operator and tell himyou would like access to your free annual credit report.

3

Complete the "Annual Credit Report Request" form (see Resources) and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.