annual credit report.com is really free?

free annual credit report
Magical Paul asked:


Well I know that you can get a free credit report annually at the gov’t website known as annualcreditreport.com, but what im wondering is is if it is really free?
I dont want any minutia popping up that i might have to pay for…
no smelly anything?

comment please,
thank you

Zack Koves

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Filed Under: Credit

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RSSComments (5)

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  1. PennyLeeD2 says:

    Depends on your state. You have the option of buying more services when you are redirected to the individual bureau’s site, but you can get one free from each of the 3 bureaus each year.

    You’ll have to pay for a score, but the reports are free.

  2. src50 says:

    Yes. One report per year per bureau is free by law. Just don’t sign up for any “optional services.”

  3. Konchita the pomeranian says:

    I would say that it depends on what county and state u live in and if u had credit trouble in the past.
    I wouldnt really count on it for free cause my dad tryed signing up for it and he would have to pay a certain amount to get this done,and that done.

  4. David s says:

    I remember I used this blog to find the best credit check site.
    helped me a lot (By saving my time)
    Hope this helps

  5. Zoe S says:

    All Americans are entitled to one free credit report within a 12-month period from each of the three agencies. The three credit bureaus run Annualcreditreport.com, where users can get their free credit report, normally without credit scores. Credit scores are available as an add-on feature of the report, for a fee. This central site allows you to request a free credit file disclosure, commonly called a credit report,from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

    Please note that, you will have to pay at for your credit report with credit score

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