How to get a free credit report.
Can you get a free credit report? The answer is yes. Under the Fair Credit Reporting Act you are entitled to one free copy of your credit report every 12 months from each of the credit reporting agencies: Equifax, Experian and TransUnion. You can order these online from annualcreditreport.com (the only authorized website for free credit reports). Be sure to save your report somewhere you know where to find it because once you download it you will have to wait another year to get a free report.
Be cautious when looking for a free credit report. There are multiple companies out there that will scam you while offering you a free credit report. It is important that you do not accept a free credit report from anyone other than annualcreditreport.com.
If you have already received your annual credit report and want to get it again, you can buy it from each the bureaus. If you’re going to purchase your credit reports, we recommend going to myfico.com to receive your credit report and score.