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Q: Is there a free online credit report service that has no trial or other hidden charges
a: Thanks to the fair credit Reporting Act (FCRA) and fair and accurate credit transactions (FACT) Act, you are entitled to one free credit report per period of twelve months from each of the three major credit bureaus, Equifax, Experian and TransUnion. You can order your free credit reports online by visiting AnnualCreditReport.com, by calling 1-877-322-8228 or by sending a written request to: Annual Credit Report Service, PO Box 105281, Atlanta, GA 30348- 5281.
Here are some tips and general information on how to get the most out of the program AnnualCreditReport.com report free credit:
- It is a good idea to stagger your requests and you get one of your three annual reports every four months. This ensures that you get all the credit data throughout the year, which is important because your credit history is always changing. Keep in mind that your credit record can vary significantly from office to office, so you can miss some significant changes, even if you stagger your requests.
- AnnualCreditReport.com not provide your credit report and not your credit score. We suggest you sign up for a free trial of a credit report monitoring service if you want to receive free access to your credit score.
- AnnualCreditReport.com will alert you if changes post on your credit report. If you want an update information on how lenders view your credit report, we propose to consider a credit report monitoring service.
You can read our full review of AnnualCreditReport.com for more. If you are interested in learning about the services that will provide free credit reports and free credit scores, read our comparison on the credit report monitoring services.