| There are various ways on how to get free credit | | | | Therefore, the best way for you on how to get free |
| report online; but there is only one official website that | | | | credit report online is to go to the |
| is mandated by the government as your certified | | | | AnnualCreditReport.com; this is the official web site |
| source for your annual credit report for free. This is in | | | | mandated by the federal government for this purpose. |
| line with the government's ruling that every American is | | | | The three major credit reporting bureaus will supply |
| entitled to one free annual credit report from each | | | | you with an annual copy of your credit report upon |
| individual main credit bureau, namely: Equifax, Experian | | | | your request. You will receive one report from each of |
| and TransUnion. | | | | these companies under only one request. |
| In order to get your annual free report, you have to | | | | When you finally receive your free copy, it is best to |
| make a request for your copy because this is not | | | | check the authenticity of the entries contained in your |
| something that is automatically sent to your mailbox. | | | | report because sometimes errors may occur that |
| One way to do this is to go to each individual site of | | | | results to lower your score. You will further notice that |
| the three main credit reporting companies. However, | | | | your score may sometimes be different from each of |
| this is not highly advisable because this would be very | | | | the credit-reporting agency. |
| inconvenient on your part as you will need to make | | | | This usually happened when creditors will report your |
| three separate requests for each of these agencies. | | | | credit history to only one agency instead of the three |
| Moreover, in some instances you will be charged for | | | | of them; thus, creating the variance of your score. In |
| your copy of the annual report unless you meet the | | | | any case, you will have an idea of what your real |
| qualifications for the free copy, depending on the | | | | score based on the ratings of these major companies |
| company's standards and policies. In order to avoid | | | | and you will be able to make necessary changes if |
| such incident, it is best to go directly to the official | | | | need in order to improve your score. This method |
| website of the three companies who merged on this | | | | offers the best solution to your problem on how to get |
| site in order to give their common service; which is to | | | | free credit report online. |
| send you your free copy of the credit report. | | | | |