The real place to get your free credit report

There are so many commercials on TV, radio, and lots of online ads all stating you should go to them to check out your free credit report. While you may get your credit report through them, the actual official site is (this is not an affiliate link of any kind) I suggest you bookmark it and add some sort of note to your bookmark to remember that is the right one.

You are entitled to get a copy of your credit report from each of the three consumer credit reporting companies, Equifax, Experian, and TransUnion, once every 12 months. You do not have to get them all at once either. A better idea is to spread out your request to once every 4 months. This way you get some insight multiple times each year. So you could get Experian in January, then TransUnion in May, and Equifax in September, then you start again in January. Remember also that if you are married you need to check both you and your spouse’s reports.

Sadly I have found that through the official site it actually can still be a bit confusing. Take your time and really pay attention to what you are clicking. If you are hesitant the site also gives you info on how to obtain your reports via telephone or snail mail.

If you do opt for the online method remember that you are getting your free copy. You may be presented with plenty of offers for credit monitoring and other services. You do not need to purchase these. I am not totally against credit monitoring services, but I personally do not think that the reporting agencies should be allowed to sell them – I prefer an outside service.

One thing that is not included for free is your FICO score – that is your credit rating score. If you want that you will have to pay for it. Ugh. You do not have to get this or have it though at all.

Each time you get your free copy make sure to check it over carefully and report any errors you find. You can also add a statement if there is a problem. Over 70% of all credit reports have inaccurate information on them. That is a very frustrating number for something that impacts us so much these days. But, this is exactly why I am sharing the information with you all.

When was the last time you checked your credit report?

Disclosure: None, just sharing some useful information.