Free Credit Report Service Recommended You don't have to sign up for a trial membership of a credit protection service to get free copies of your credit reports. There a few one-stop websites where you can order credit reports from all three credit bureaus: Experian, Equifax, and Trans Union. It's easy. One site, Annual Credit Report, is even recommended by Consumer advocate Clark Howard as well as the Consumer Credit Counseling Service. By the way, your "credit report" is not the same thing as your "credit score." The reports will give your credit activity only - not your FICO score. The FICO score is a number that is generated using info from all three agencies. It is a product of Fair Isaac Credit Org. (FICO) and must be purchased - $15.95 When you get to the site and start clicking around to request your free report, a few things might concern you. The main thing...and it is kind of unavoidable is the request for you to enter your Social Security number. If you have strong reservations about entering your SS number online, you can just skip the rest of the article and look up the 800 number and do the transaction on the phone. But either way, you will to have to provide your social security number. Back to the online request. At some point during your online request for a free credit report , each bureau will try to sell you their products. Stay focused. Here is the protocol for Experian for example: (and they are all pretty much alike so I will spare you the details on the other 2) Step 1 on the Experian site will offer to sell you your Experian credit score for $5.95. Each bureau assigns a score, but their scores do not represent your FICO score.The FICO score is the one that most creditors use. I don't recommend buying a credit score from anyone other than FICO. it's the only one that counts. When asked if you want to purchase your "Experian" score, scroll to the bottom of the page and click on "No thanks, I just want my free annual credit report." You will cruise through the steps pretty quickly. The only time you might have a problem is if you don't answer the identification verification questions correctly. If you answer incorrectly you will be given a toll-free number to call where your i.d. can be verified manually.
Free Credit Report Service Recommended Once you are done on the Experian site, you will be prompted to return to the Annual Credit Report site and continue with the other credit bureaus. All the sites will walk you through the same process offering to sell you their products along the way. Remember, your goal is to get free credit reports, not buy stuff. Follow the prompts and you will instantly get your three credit reports free of charge. More information visit credit score keeper