eCredable Blog - Learn to Build Credit

eCredable

rss

The eCredable blog

Where can I get my Free credit report?

 

How to Read a Credit Report - Self.

There are many places you get can get a free credit report.  But "free" usually comes with a price that requires you to create an account with the website and receive a never-ending number of emails and advertisements to buy something.  If you want to get your actual credit report - the one provided by the actual credit bureau - go to www.AnnualCreditReport.com.  

Since the pandemic began in the spring of 2020, you have been able to get one free report from each of the three national credit bureaus on a weekly basis.  When the pandemic is officially declared "over", the system will revert back to getting one free report per year.

Also Read: How to Add Utility Bills to Your Credit Report

NO FREE SCORE

This credit report does not include a credit score.  If you want a credit score, you'll need to sign up for a monitoring service from the credit bureaus.  If you're going to do that, then you should consider signing up for one of the many free credit monitoring services that are available from companies like Credit Karma, Credit Sesame, WalletHub, NerdWallet, LendingTree, and many more.

 

Related Posts


  • What Your Credit Reports Won’t Tell You

    What Your Credit Reports Won't Tell You 

    A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding the credit report’s purpose.

  • 6 Accounts That Build Credit and 2 That Don’t

    Find out which types of accounts build credit and which ones don’t so you can avoid wasting resources during your credit-building journey.

  • How to Add Utility Bills to Your Credit Report

    You can't report utility bills to the credit bureaus by yourself, but you can hire a third-party service provider to do it on your behalf.

  • How Long Does It Take to Get My Free Credit Report?

    How long should someone wait for a credit report? I mailed AnnualCreditReport.com requests for a single credit agency report for my daughter and myself, but neither of us has received a response. I do not want to send an additional request and be billed for multiple reports.

  • Does Paying Rent Build Credit?

    Paying rent can build credit if you sign up for a service that reports your rent payments for you.

  • Why Does Negative Info Stay on Credit Reports for 7 Years?

    Under the Fair Credit Reporting Act, most negative information can be reported on credit reports for seven years. Why seven? Why not five, or 10 or some other amount of time?
credit report, free


Comments are closed.