• How Credit Scores Work
• How to Get Free Credit Scores

In the past, not everybody was entitled to a free credit report. Instead, consumers had to pay or qualify based on certain activity within the credit report. Some states required that residents periodically be entitled to a free credit report, but it is now nationwide.

How do I Get my Free Credit Report?

The nation’s credit reporting agencies have teamed up and built a website that you should use to get your free credit report. The site is www.annualcreditreport.com. You can also call them at 877-322-8228 and request your free credit report.

Contacting the Credit Agencies Directly

You can also call the major credit agencies directly and ask about a free credit report. However, the FCRA-mandated “Annual Free Credit Reports” are only available through the website and phone number above. In other words, you might have to pay if you contact a credit agency directly.

I cannot overemphasize that the only way to get your annual free credit report is by using the organization above. If you go any other route, you may have to pay or subscribe to a private service. 

What Information do I Need for a Free Credit Report?

You’ll need to be prepared with your name, address, Social Security number, and date of birth. You’ll also need any prior addresses from the past few years. Finally, you’ll be asked to disclose something that only you know (like the amount of a given payment, for example) as a security measure.

When Can I See my Free Credit Report?

In order to manage the process, availability is only available to certain regions at certain times. As of September 1st, 2005, the entire nation has access to a free credit report.

If your region is up and running, you can see your free credit report instantly online (at www.annualcreditreport.com). If you use the toll-free number, it may be 15 days or so until you receive the report.

What Else Should I Know About Free Credit Reports?

The regulations only entitle you to get a free credit report – not a free score or any other service. As you order your reports, watch out for sneaky attempts to sell additional items that cost money.