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Obtain Your Credit Reports

What's the best way to obtain my credit reports?

There are a few ways you can do it. One of the best ways is to obtain your credit reports is through a credit monitoring service. A credit monitoring service will allow you to view your credit reports and credit scores online at anytime. It will also allow you to compare accounts on all three reports a little easier because they are generally all listed together.

Some of the most popular credit monitoring services are listed below:

Please pay attention to how many "new" reports can be pulled when you join. Some allow a new report daily, others allow one per month.

Can I get a free copy of my own credit report?

Yes! However, I highly recommend purchasing your credit reports at one of the services above. By obtaining a credit report for free, you give the credit bureaus an extra 15 days to verify your disputes. 15 days is a crucial amount of extra time to give the credit bureaus. In my opinion, you are much better off just spending $10-15, plus you get to see your credit scores.

There are many ways to get a free copy of your credit report. As of Jan 1, 2004, due to the new Fair Credit Reporting Act, all credit bureaus are required to give out one free credit report per year.

Note: The Credit Bureaus are not required to give out your credit score for free. If you want to order your score in addition to your free report, most are charging about $5.95.

The free reports are available online for 30 days only, so make sure you print your reports if you get them online. There are 3 ways for you to get your free annual credit report:

When you order, you need to provide your name, address, social security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.