FREE CREDIT REPORT ONLINE CONSUMER GUIDE LIBRARY

 

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There are three circumstances that make you eligible to obtain a free credit report.

(1) if you have been denied credit or employment based on your credit report, you can obtain your credit report from the company where your creditor obtained your credit report free of charge if you request it within a 60 DAYS after receiving the denial letter. Thus, if you receive a credit denial letter saying that the company used Equifax to obtain your credit history, you can get a free copy of your credit report from Equifax if you request it within two months after your credit was denied.

Tip: Apply for one or two credit cards--any of those listed below will do: all of them have no annual fee so if you're approved---it's still free. Credit Bureaus have no way of knowing whether you have been approved or disapproved. All they know is that a credit card company requests your credit report. So after you apply for these credit cards--send a letter to credit bureaus requesting your credit history.

  • Lowest APR credit cards.
  • Bad Credit Credit Cards
  • No Annual Fee Credit Cards.
  • Best Credit Card Values Overall
  • Secured Credit Cards
  • Small Business Credit Cards
  • Frequent Flyer Credit Cards
  • Cash Rebate Credit Cards
  • Student Credit Cards

    • Unfortunately, none of the credit bureaus accept requests for free credit reports online. You will need either to call them or send them a letter requesting a free credit report.

    (2) If you write a letter certifying that you are either unemployed and plan to seek employment in the next sixty days, or you are a welfare recipient, or you believe you have been a victim of fraud, there will be no charge for your report.

    (3) If you live in Colorado, Georgia, Maryland, Massachusetts, New Jersey or Vermont, you are eligible for one free copy of your credit report each year. It must be ordered by phone or mail. Instructions for ordering from each of the three companies are below:

    All request for credit reports REQUIRE the following information. If even one of the following is missing, the credit bureaus will not give you a free credit report. (Note: Do not sent this information to the webmaster of this website. We cannot provide your free credit report directly. You need to contact one or more Credit bureaus listed below.)

    • Full name (including Jr., Sr., II)
    • Social security number
    • Copy of your utility or some other bill
    • Copy of your driver licence
    • Current and previous addresses within the last 5 years
    • Date of birth
    • Your current employer (if employed)
    • Signature
    • Telephone number (home)

    Trans Union also known as TrueCredit
      by phone: 1-800-888-4213
      by mail:
        Trans Union LLC
        Consumer Disclosure Center
        P.O. Box 1000
        Chester, PA 1902

    Equifax

      by phone: 800-997-2493

      by mail: In your letter, Include all information listed above.

        Equifax
        P. O. Box 105496
        Atlanta, GA 30348-5496

    Experian

      by phone: 1 888 EXPERIAN

      by mail:

        Experian National Consumer Assistance Center
        P.O. Box 2104
        Allen, TX 75013-2104

     

    Summary: Credit Report Ordering

     
    All States
    		 Free Trial Online Availability
    Residents of California
    Residents of Connecticut

    Residents of Maine
    Residents of Minnesota

    Free Credit Report and FREE Credit Score
    FREE TRIAL
    Yes
    Yes
    FREE TRIAL
    FREE TRIAL
    Free Trial
    Free Trial

    * Not available online. Require a request by mail or phone.
     

     

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