Free Credit Score reports

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?

Starr DuskkASP.NET VB.NET DeveloperAsked:
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Starr DuskkConnect With a Mentor ASP.NET VB.NET DeveloperAuthor Commented:
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.
FACT Act — Obtain Your Free Annual Credit Report

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 or calling 877 FACTACT. If you prefer to write, a request form is available on

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.
Neil RussellTechnical Development LeadCommented:
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.
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.
Starr DuskkASP.NET VB.NET DeveloperAuthor Commented:
Mine is correct and answers the question. The others don't.
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