Free Annual Credit Report: How to Obtain Your Credit Report for Free


The U.S. government has (within the last few years) introduced a new “free credit report” law, which provides U.S. residents with a yearly report of their credit – and all for free. In fact, you are entitled to one free report from each of the three major credit bureaus (Experian, Equifax, and Transunion) for a total of three free annual credit reports.

We looked into this service a little more closely because a lot of our users were wondering if this was real or not. After all, you should be careful about with whom you are sharing your personal information with.

First of all, yes this service is real and it is offered by the U.S. government – well kind of. Actually, the U.S. government has setup a main “hub” website, where U.S. residents can submit their personal information and from there they can proceed to each of the credit agency websites and obtain their credit report.

Unfortunately, although you receive a free credit report you do not receive a free credit score. I think that is one of the downfalls of the program. Most people are curious to know their credit score. What’s more, it is your credit score that impacts your ability to borrow money – and at what interest rate.

If you are interested in learning more about how to obtain a free credit report with a free credit score, then please read the article we have published on this site called “How to Obtain your Free Credit Score”