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Free Online Credit Reports?Yes it is actually possible to get a free credit report online. A quick search for supposed free credit report online services will no doubt yield you a bunch of different sites that actually aren’t free at all. But the definition of ‘free’ that so many people use today all over the internet may mean anything but "free"! I always thought that free meant no cost obligation whatsoever, but today it pretty much means whatever you want it to mean. In the USA The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies -- Equifax, Experian, and TransUnion to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions Act, which established the free annual credit report program. Q: How do I order my free report? A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months. A Warning About "Imposter" Websites Only one website is authorized to fill orders for the free annual credit report you are entitled to under law -- annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit scores," or "free credit monitoring" are not part of the legally mandated free annual credit report program. In some cases, the "free" product comes with strings attached. For example, some sites sign you up for a supposedly "free" service that converts to one you have to pay for after a trial period that will eventually cost you a repeating monthly fee. However, the first month does not have a fee, and the membership can be canceled at any time. So assuming you remember to cancel it, you can get a free credit report online that actually is free of charge. If you don't cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. While it is something of a hassle to get a free credit report online that is actually free, it’s always a good idea to keep an eye on your credit score. I check my credit score every few months just to make sure nothing untoward is going on. A good Credit ratings these days is very valuable so you have to make sure you take care of yours!
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