Free 3 bureau credit report
How to Get Your Free Credit Report
What is a credit report?
What kind of information is on my credit report?
Credit reports include information such as your name, social security number, current and previous addresses, current and former employers, credit card and loan payments, credit inquiries, collection accounts and public records such as bankruptcies, judgments, foreclosures and tax liens.
Each account listed on your credit report will show the date the account was established, your payment history, credit limit, and the type of account (mortgage, installment, revolving, collection), etc.
How do I get my free annual credit report?
By law, under the Fair Credit Reporting Act you are entitled to a free copy of your credit report annually from each of the three major credit bureaus (Experian, Equifax, and TransUnion). In addition, several states offer an additional free credit report per year, including:
- New Jersey
Your free annual credit report contains the same information that is found on a paid credit report: your open and closed financial accounts, and your payment history for each. You’ll generally find payment history for loans, credit cards, and revolving lines of credit. You may also see rental payments if you rent an apartment.
How do I order a free credit report?
This website will let you order all three of your free credit reports at once, with no obligations and no hidden fees. You may have to provide some personal information in order to confirm your identity before ordering, but you will not be charged if you use this site.
Other ways to get a free credit report:
If you are ordering a free state report, or you are getting a free report due to any of the other factors we’ve talked about, you’ll need to contact the credit bureaus directly. Equifax and TransUnion make it easy to order these free reports online but to get your free Experian credit report you may need to call.
- Free Experian Credit Report – call 1 866 200 6020 to confirm eligibility and get your report by mail or use this link.
- Free Equifax Credit Report – order online through this link.
- Free TransUnion Credit Report – order online through this link.
Can I get a free credit score too?
Unfortunately, the law does not mandate that the credit bureaus give you a free credit score with your free credit reports. However, Lexington Law Firm offers a free FICO credit score as well as a free credit repair consultation. You can get that by visiting their site or calling 1 (800) 220-0084.
You can often order your credit score alongside your free credit report for an additional fee as well from the credit bureaus. However, these scores are considered FAKOs as they are not real FICO credit scores (the scores that lenders use).
While the VantageScore (the credit score created by the credit bureaus to compete with Fair Isaac) is used by some businesses and institutions, the vast majority still rely on FICO scores to make credit decisions. So before you pay for any credit score, make sure that it’s one that will be useful to you.
Can I get more than one free credit report per year?
If you’ve already ordered your legally-mandated free credit reports for the year and you don’t live in a state where you are entitled to an additional free report, there are still several situations which qualify you for an additional free credit report:
Negative actions as a result of your credit report such as:
- Being denied for credit or a loan
- Being denied for insurance
- Being passed over for employment
- Being denied a government license or benefit, or having an adverse action for either of these
- Being denied or having an unfavorable action happening on another account (i.e. interest rates raised on your credit accounts, being denied a credit line increase, etc.)
- You are currently unemployed and are planning to seek employment within the next 60 days
- You are receiving or have recently received public welfare assistance
- You believe that your credit file may be inaccurate due to fraud or identity theft
How can I dispute inaccurate information on my credit report?
If you find inaccurate or “questionable” information on your credit report, you can dispute the errors with the credit bureaus. We also offer free credit repair letters or if you need help getting rid of negative items on your credit reports, you can hire a credit repair service.