How to View Credit Reports at a Government Site

Thanks to the Fair and Accurate Credit Transactions Act, every American with a credit history is entitled to a free credit report once a year. With the increase in identity theft and the importance of good credit, it's wise to take advantage of this offer There are many credit report companies trying to claim free service, only to automatically enroll you in a monthly payment. These are unnecessary and some are flat-out rip-offs. Check your credit only at the government-approved website.

Instructions

1

Go to AnnualCreditReport.com. Here you can see all three of the major credit reports: Equifax, Experian and TransUnion. This is the only authorized company to provide you with these credit reports, and it will not cost you anything.

2

Choose your state from the drop-down menu in the middle of the screen and you will be taken to a form. Fill out your personal information to be able to view your reports.

3

You can also fill out a hard-copy form and mail it to Annual Credit Report. Once received, they will process your information within 15 days and send you copies of each of the three reports.