There are many services online that offer free credit reports from all 3 bureaus but you should know that there are only a handful websites that are actually legit and won’t take advantage of you. A few of these websites are the official websites of Equifax, TransUnion, Experian and the government run www.annualcreditreport.com.
Where to get free credit reports from all 3 bureaus
Every consumer is entitled to a free credit report from all three credit bureaus once every twelve months. All you have to do is go to each of their websites and fill out a form requesting your credit report. But the credit report does not include the credit score. Credit scores can be purchased for around $10, depending on the credit reporting agency.
After you have claimed your free credit report from each of the credit reporting agency, that’s when you will have to pay for the credit report and score. Experian offers this service at $14.95 while you can get it from Equifax at a dollar more. These agencies also offer a bundle deal where you will receive credit reports from all three credit reporting bureaus and each of your credit scores for a few dollars more. Both Equifax and Experian have the credit report and scores from all three bureaus deal at $39.95. If you wish to pay a little less and don’t need the credit scores, Equifax can provide all three credit reports at $29.95.
If you haven’t taken advantage of the free credit reports from all 3 bureaus yet, you might as well start to. Take it as an opportunity to review your credit history and see what is made available to whoever requests it. Remember that if you are applying for a loan, mortgage and sometimes even a job, they can request for your credit report and base their decisions on it. Make sure that the information in your credit report is correct and that no fraudulent activity and misinformation is present.
Be wary of free credit reports from all three bureaus sites requiring your most confidential information such as credit card details, social security details, etc. The internet is littered with credit report phishing sites. Unsecured credit report request webpage forms are a dead giveaway. Run don’t walk from these doorways to identity theft hell.
In conclusion, you don’t have to pay for your credit reports if you only need them once a year because each of us are entitled to a government mandated free credit reports from all 3 bureaus but not free credit scores.
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