How to get my free crrdit report

[Jaydawg220]

Iv read that by law your allowed 1 free credit report a year from all 3 CRAs. Whats the easiest way I can get my 3 free credit scores? And, can I get an online copy?

[Anonymous]

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@Jaydawg220 wrote:
Iv read that by law your allowed 1 free credit report a year from all 3 CRAs. Whats the easiest way I can get my 3 free credit scores? And, can I get an online copy?

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You can do a trial at creditchecktotal.com - you will get three reports and three scores for $1 - but you have to cancel within a week.

To get your FREE annual credit reports you can go to annualcreditreport.com - however - you only get your reports no scores.

[98Supra]

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@Jaydawg220 wrote:
Iv read that by law your allowed 1 free credit report a year from all 3CRAs. Whats the easiest way I can get my 3 free credit scores? And, can I get anonline copy?

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Head over to: https://www.annualcreditreport.com/index.action

Click "request your free credit reports" and follow the procedures. You'll go through the form process for all 3 bureaus separately. They'll ask you verification questions, and most tend to be completely bogus. Answer them to the best of your knowledge and once you finish you'll view your credit report for that specific bureau. 

You can save the page as a PDF if you're using Chrome browser, or simply print it out. Remember, once you leave that page, I don't think you can access the report again without paying. 

Let us know if you have more questions!

[Anonymous]

Hey JayDawg.  One source that hasn't been mentioned is Credit Karma.  It gives you free credit reports as often as once a week on both Equifax and TransUnion.

[Jaydawg220]

Awesome. Thanks everybody for the great resources. Iv got my 3 CR yesterday.

Thanks credit guy, iv been using CRedit Karma for a while now.

[Anonymous]

You may also want to look at whether your state's laws entitle you to extra free credit reports beyond the 1 per year mandated by federal law.  Georgia law, for example, gets you two additional free reports, last time I checked.  I wish there were a service like Karma that gave you frequent free EX reports, but there is not.  My feeling is that Karma plus getting 1-2 EX reports a year is basically cost free and is all most of us need, if the concern is purely with reports.

[takeshi74]

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@Jaydawg220 wrote:
Iv read that by law your allowed 1 free credit report a year from all 3 CRAs. Whats the easiest way I can get my 3 free credit scores?

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Reports and scores are two different things.  Use AnnualCreditReport for your free annual reports.  As for scores you need to sort out which specific scores you need/want and then find an appropriate source.  You may want to read up on the different FICO models used by creditors in the Understanding FICO Scoring subforum and its stickies.  CreditCheckTotal mentioned above will get you FICO 8's but not all creditors and products use FICO 8.