|
|
|
All about your credit report! Dispute an Item Credit Score Privacy and Identity Theft Guide to Credit Reporting Agencies Equifax, Experian (formerly TRW) and Trans Union. Who qualifies for a free credit report? Online Ordering Online
credit report
|
Free Credit Reports
Free credit reports from Experian, Equifax, and Trans Union are available depending on special qualifications (unemployed, denied credit, fraud victim, etc.) or the state in which you live. If you are willing to wait, you might be able to get your credit report free by mail, and from each of the three credit bureaus!
A way to get a free credit report, without obligation, and without meeting special qualifications.When you sign up for a free 30 day trial of the year-round personal credit monitoring service, you are sent login information that allows you to get your free credit reports online. The service includes getting your report online as often as you want, with automatic online monthly alerts for derogatory items, new inquiries, credit fraud indicators, and more. After the FREE 30 day trial period you have a 6 month pro-rated money back guarantee! A credit card is required to sign up, but it is not charged if you cancel during the 30 day free trial. |
| If you'd rather not spend a lot of time using the bureaus' telephone recorded messages to get your free report, go here to get your report now for just 8 dollars! |
Here's how to qualify for a free report...
Within the last 60 days, have you been...
| denied credit based on a credit report | |
| denied employment based on a credit report | |
| denied insurance based on a credit report | |
| denied rental housing based on a credit report | |
|
It is the responsibility of the company that denied you credit or employment to indicate which credit reporting company was used, and the phone number and address for getting the free report. If you were not given the phone number, try the following: Equifax: 1-800-685-1111, Experian 1 888 397-3742, Trans Union: 800-888-4213. Free reports are not available over the Internet, and may require from 6 to 8 working days to receive by mail. |
|
Can you certify that you...
| are unemployed and seeking employment | |
| are receiving public welfare assistance | |
| believe your credit file contains inaccuracies resulting from fraud | |
| If so, you are entitled to a free report once a year upon request. Equifax: 1-800-685-1111, Experian 1 888 397-3742, Trans Union: 800-888-4213. Free reports are not available over the Internet, and may require from 6 to 8 working days to receive by mail. | |
Do you live in...
| Colorado | |
| Georgia | |
| Massachusetts | |
| Maryland | |
| New Jersey | |
| Vermont | |
| Laws in these states require credit reporting agencies to provide you one free copy (two in Georgia) of your credit report each year upon request. Equifax: 1-800-685-1111, Experian 1 888 397-3742, Trans Union: 800-888-4213. Free reports are not available over the Internet, and may require from 6 to 8 working days to receive by mail. | |
When you call for a free report, be sure to have the following information about yourself ready...
- First, middle and last name (including Jr., Sr., III)
- Current address
- Previous addresses in the past two years, if any
- Social Security Number
- Date of birth
- Current employer
- Phone number
(Need a credit report instantly? Click here. It's just $7.95.)
