Get your free online credit report either by mail, by phone, or via the internet. It is best to order them directly from Experian, Equifax, Trans union and Fair Issac. You can obtain a free copy per year of the three credit reporting agencies. Now you must know that the credit scores are not included and you will always pay the get your credit scores. You can check your credit report throughout the year at a small cost, all you need to know is your rights in order to do this.

Under federal law, you are entitled to an additional free credit report if a company denies your application for credit or employment and you ask for your report within 60 days of receiving notice of this. Upon this notice you should obtain the name, address, and phone number of the consumer reporting company. Everyone is entitled to a free credit report a year if you are unemployed, if you are on welfare, or if you have been a victim of fraud.

Get your free credit report online

In less than five minutes you can get your free credit report online from each of the three credit reporting agencies. At Annual Credit Report Request Service website www.annualcreditreport.com you can get a form online to get your free credit report. You will need to provide your full name, date of birth, social current address, and previous address if you have not live a current address for a less than two years. You will be asked to select the consumer reporting companies to request your free credit report from. I would choose all three, Experian Equifax and Trans Union as you would want to scan over your credit report from all at once. There will also be additional questions for security to verify your identity as this is very important to protect consumers. After you have answered the required questions you will now be able to obtain your free credit report fast, quick and easy online from all three of the credit agencies that you have chosen. Now you may print out your free credit report.

Once you get your free credit report using this method you can only wait another year to get it again for free but you can purchase additional credit reports more frequently. You can get single copies of your credit report from each of the three credit reporting agencies. If you have a bank credit card or checking account, it is best to subscribe to a credit monitoring service to get unlimited access to your credit report with your credit score. The credit monitoring services is also a great way to obtain a three-in one credit report all online which can also include your credit scores. Even though you are entitled to your free credit report every 12 months, you are not obligated to get your credit report scores free along with your credit reports. You will be offered to pay a small fee to get your credit scores. This is also quick and as fast as getting your credit reports if done online as well. Be sure the credit reporting monitoring service online is a true and legit as you are providing you personal information.

Equifax, (800) 685-1111, www.equifax.com

Experian, (888) 397-3742, www.experian.com

TransUnion, (800) 916-8800, www.transunion.com