How To Get Your Free Credit Report…The Right Way

by Greg on March 14, 2010

Credit reports (actually, the credit monitoring services that you are automatically signed up for when requesting a report) are big business.

Many people are scared into thinking that they need to sign up for credit monitoring and notification, and presto – a nice, recurring monthly income stream for Trans Union, Experian, and Equifax.

So, be an informed consumer and request your (truly) free credit report once every 12 months from AnnualCreditReport.com.  It was created by the three main credit reporting agencies, and will give you tons of important information.

Again, this IS NOT THE SAME as many other websites out there that promise a free credit report, but try to get you to sign up for credit-monitoring services that wind up costing you money for a monthly “monitoring subscription”.

Please note that this site does not give you a credit score, but it does give you all of the details about your credit.  Do it now while it is fresh in your mind.

Here is the site:
https://www.annualcreditreport.com

Directions:
1.  As of early 2010 when this post was written, there was a picture/box in the top left of the screen with “START HERE” in big red letters.  Simply choose your state from the list, and click on “Request Report”.

2.  Fill out the information in the screen that comes up next, and follow along with the process.

3. INSIDER TIP – request your first no-charge report from Transunion, as they give you the most information of the three credit bureaus.

Regardless of whether you want to chat further with us about your debt relief options, I HIGHLY recommend that you get a copy of your credit report so you can arm yourself with accurate information so people can’t play on your fear and take advantage of you.

By the way, we’ve looked at thousands of credit reports (literally) in all of our years in the finance and debt industries, so if you have any questions, post them below, or give us a call or email!


Thanks,

Greg

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fix my credit
June 18, 2010 at 1:59 pm

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