Free Credit Check Report

As you might have heard, all Americans are entitled to receive a free credit report each year from each of the 3 major credit bureaus: Equifax, Experian, and Transunion. You can then use these 3 free credit reports to get an accurate idea of how lenders see you.

Why Get Your Annual 3 Free Credit Check Reports

Your 3 free credit check reports might surprise you. For starters, there could be errors. Or there may be legitimate items you simply forgot about and are perfectly capable of remedying. By the same token, your free credit report check could be even better than you ever thought it possibly could be.

In either case, the logic stands that it’s worth every responsible American’s while to check their free 3 credit reports at least once each year. That way, you can fix any errors before you go apply for a loan or a credit card, and you’ll have no surprises once it’s already too late to do anything about it.

The One Key To Getting Your 3 Annual Credit Check Reports For Free

Many companies online and on television will purport to help you get your 3 free credit check reports, but even those with the most legitimate sounding website URLs are not the sole government website through which you get all 3 annual credit reports for free. That singular source of free credit check reports is: www.AnnualCreditReport.com. That’s it.

What About All The Other So-Called Free Credit Check Report Sites?

“So, what about the many other free annual credit report websites I see everywhere on the net?” you may smartly ask. These so-called “free” annual credit report websites that aren’t www.AnnualCreditReport.com are trying to up-sell you on one of a variety of subscription-based services for monitoring, managing, and repairing your credit ratings. The 3 free credit check reports is their way of reeling you in. But you don’t need their help to get those credit checks for free.

Now, nothing against those services. Many of them are amazing and well worth your money, if you want to pay for those services. For example, if upon learning your credit situation is more dire than you’d thought, you might decide that you’d like to avail yourself of some of those “repair credit rating” services. They’re also helpful for accessing your 3 credit reports for you if you’ve already received your free ones for the year.

Should You Get All 3 Free Credit Check Reports At Once?

When you go to the website to receive your 3 free credit check reports, you’ll be prompted to select which of the 3 credit reports that you’d like to receive. Note that you do not have to order all 3 free credit check reports at once.

If you’re about to apply for a loan, then yes – get the whole 3 in 1 credit report package, all 3 free credit checks at the same time.

If, however, you’re just performing a routine credit check, go ahead and get 1 at a time. Most times, the information in each of the 3 credit reports is pretty much the same anyway. So if you can, spread it out over a full year, ordering 1 free credit check report every 4 months. That way, you’ll always be on top of your credit situation.