Where Can You Get A Free Credit Report Online

“I want a free instant view of my credit report with no membership attached,” you think to yourself. After all, it is very important that you know what is on your credit report so that you can repair it if necessary. So, where do you go to get a free credit report online

Your first step to getting a free credit report online is to do a search on free credit reports. You will find thousands of results. Few if any will give credit reports without requiring your credit card number. If they require your credit card number, is it really free? Yes, most of them are. The requirement of the credit card number is for verification purposes. You would not want them to give your credit report to some weirdo who wants to take advantage of you would you? You do have to be careful, though, of scammers who advertise a free credit report online, but really intend to charge you. Make sure that you read all the fine print information before you ever enter your credit card number.

No Credit Card- No problem

If you do not have a credit card or you do not want to enter your credit card number on the internet you can still get a free copy of your credit report, it just will not be online. By law, the three credit reporting agencies, Equifax, Experian, and Trans Union, have to provide you with a free copy of your credit report once a year. You can write to each credit reporting agency requesting a your credit report. If you do this, make sure that you enclose a copy of your photo identification so that they can verify that they are sending the credit report to you and not someone who does not need to have their hands on it. Also, know that if you decide to get your credit report this way, it will take several weeks.

It is advisable that you get your credit report. The decision you have to make is this: Do you want to weed through the internet to find a free credit report online and give them your credit card number? Or would you rather wait and receive your credit report for free from the three reporting agencies? You may need it immediately or you may be able to wait. You know your circumstances, you now know your choices, and you can now make your decision.

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