How do I obtain my free yearly credit report from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I do not have a bank account to paypal any of these credit report sites. How do I find the major credit agencies and how do I get my free credit report.
I got mine free from http://www.annualcreditreport.com which is recommended by the government.
AnnualCreditReport was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion — to comply with government regulations allowing consumers to obtain their free credit reports from those three agencies. Unlike other ways, you don’t have to sign up for something and then remember to cancel since you’re not signing up for anything.
They’re listed on the government’s website:
http://www.ftc.gov/freereports
Everyone is entitled to one free credit report from each of the reporting agencies per year. It’s free. No fees or membership of any kind at all. If anyone asks for any kind of payment for anything they’re frauds.
CAUTION!!!
FreeCreditReports.com is a scam. You only get the "free" report after enrolling in a $15-a-month credit monitoring program.
credit-report-free.totalh.com is a PAY service you should watch out for. They spam the credit related questions on Yahoo Answers. That’s pretty sad and dishonest, and if they have that much time you know they’re not doing good business. They will automatically charge your credit card $15 every month, so BUYER BEWARE!!!