How To Get Your Totally Free Credit Report

Your credit score is based on your credit report. Viewing the report can help you keep track of the items making up your credit score. According to the Federal Trade Commission, the only authorized place to get your free credit report is through Annual Credit Report. You are entitled by law to obtain one free credit report per year from each of the three major credit reporting agencies, Equifax, TransUnion and Experian. You can get all three reports at once or get one at a time to monitor your credit every few months.

Instructions

1

Go to the Annual Credit Report website.

2

Select your state of residence from the drop-down list and click "Request Report."

3

Fill in the required information on the form, including your name, date of birth, Social Security number and street address. Type the letters and numbers from the image at the bottom of the page into the box and click "Continue."

4

Select the box next to each credit reporting agency from which you would like to obtain a free credit report and click "Next" twice.

5

Follow the steps at the website of the company from which you are obtaining a credit report. Click "Return to AnnualCreditReport.com" in the top bar when you are done viewing that report and would like to see your next one.