Free Credit Reports Online

If you want access to free copies of your credit reports from the major credit agencies, you can get them online quickly and easily--and you won't need to spend a dime to do it.

You can get a free copy of each of the three major reports on you once per year as a byproduct of federal legislation.  That's right, you're entitled to see your credit scores and reports for free every single year.  There's no obligation associated with this legally-authorized free "consumer pull".  You just need to go to the official government backed web site (www.annualcreditreport.com) and follow the simple instructions. 

But that isn't the site that's doing all of that advertising with the catchy theme songs.  There are other providers for free credit reports available online.   

Generally speaking, these services tend to be on the up and up.  They will secure copies of your credit reports for you and it won't cost you a penny.  Yet all of that advertising costs money.  So, how are these companies making a profit by giving away reports? 

They aren't.  They're making money by selling subscription-based credit monitoring and updating services.  It usually works like this:  You request your free credit reports.  As part of the sign-up process, you're giving a free thirty-day trial membership in their program.  As part of the sign-up, you provide the company with credit card information.  If you fail to cancel within the thirty-day window, you start paying them a monthly subscription fee until you do decide to cancel. 

Yes, you really can get free copies of your information with these services and it is possible to walk away from the whole process without spending any money.  All it requires is remembering to cancel your membership subscription before time runs out. 

That seems like more work than just getting the government-backed freebies, though, doesn't it?  It is.  Most people can probably get by without using these third-party providers.  However, there are times when it makes sense to pull free credit reports from other sources. 

You may have requested copies via the legislatively-established option six months ago and would now like to check on your status and progress, for instance. You could wait another six months, or you could just visit one of the free credit report services. That's just one example of when requesting copies of your reports from one of these companies may be a smart move.

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In any case, free credit reporting is the real deal. Everyone should check their reports for errors and to find out whether they need to take action to improve their credit scoring and free reports make that process easier.

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