When we first discovered the problem, we burned through our free credit reports trying to figure out what was going on. We then needed to monitor the situation until it was resolved, so we ended up using a free trial of TrueCredit (see #3, below) to keep an eye on things.
Given the above, I thought I’d put together a list of options for getting your credit report for free. Start at the top and work your way down.
Get it free, the old-fashioned way. As noted above, you can go to annualcreditreport.com and get one free credit report from each of the three major bureaus.
Get it from TrueCredit. A 30 day free trial of TrueCredit provides you with access to reports from all three credit bureaus plus your credit score. Just don’t forget to cancel – here’s how.
Get it from MyFICO. You can sign up for a free 30 day trial of ScoreWatch from MyFICO.com, which comes with access to your Equifax credit report and FICO credit score. Here again, don’t forget to cancel.
Get it from FreeCreditReport.com, bay-bee! Last but not least, you can sign up for a free trial of TripleAdvantage, which access to your Experian credit report. FreeCreditReport.com has gotten a bad rap in the past, so just know this… You’re signing up for a seven day free trial. If you want a truly free credit report, be sure to cancel before it ends.
5 Responses to “Five Ways to Get Your Credit Report for Free”
Also – you can add that consumers are entitled to a free credit report in the event they are denied credit, loans, mortgages, etc… based on information contained on their credit report. Consumers have 60 days from the date of denial to request a free credit report before the entitlement expires.
Keeping an eye on your credit report is a great proactive measure to maintaining a solid and correct credit history.
I’ve been getting my free FICO monthly for a few years now. This was from a credit card (Washington Mutual).
They have been bought by JP Morgan and this feature is ending this weekend. Is there another credit card that has this feature?
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