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Free Credit Score reports

Posted on 2010-11-28
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Last Modified: 2012-05-10
It used to be that you were allowed by law to check your credit score for free from the 3 major vendors.

however, when I tried to find a free credit report today, the sites were charging. One had a special free offer to try for 30 days, but you had to submit your card and after 30 days it would be $14.95 a month.

another was selling the report for $1.

Where can I go to get an actual free report without having to give my credit card info and pay for something? Isn't it still possible?

thanks.
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Question by:BobCSD
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Expert Comment

by:Neil Russell
ID: 34226067
There is almost nothing available for free in this world anymore and credit card verification is a requirment of law before certain types of information is released to what would otherwise be a comletely unknown individual.

Would you like me to be able to get your credit report for free with no verification? (Well infact i could if i wanted to but thats another story)

Go with one of the big guys and pay the small fee or take the 30 day free trial.
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Expert Comment

by:Michael-Best
ID: 34226157
Just go and try to buy a something expensive on credit, they will give you your credit rating by accepting or refusing you...then you can back out of the purchase just before it is processed.
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BobCSD earned 0 total points
ID: 34226305
Found it. You can get a free one without paying a dollar or being obligated to sign up for 30 days or give out credit card information.

https://annualcreditreport.experian.com/consumer/facta.html
FACT Act — Obtain Your Free Annual Credit Report

www.AnnualCreditReport.com

What is the FACT Act?
The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
Is everyone eligible to get their free statutory annual credit file disclosure?
Yes. As of Dec. 1, 2005 all consumers are eligible to request their statutory annual credit file disclosure once every twelve months.

How can I request my free statutory annual credit file disclosure?
The FACT Act required that the national credit reporting companies establish a Central Source through which you will request the statutory free annual credit file disclosures. You may contact the Central Source by visiting www.AnnualCreditReport.com or calling 877 FACTACT. If you prefer to write, a request form is available on www.AnnualCreditReport.com.

How often can I get a free credit file disclosure?
The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies every twelve months.
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Author Closing Comment

by:BobCSD
ID: 34265284
Mine is correct and answers the question. The others don't.
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