How can I get a free credit report?

free annual credit report
Adelaide B asked:


All of them advertise ‘Free Annual Credit Report’ but require membership and a credit card in order to give me my ‘free’ credit report.
Isn’t there supposed to be a way I can obtain my credit report without having to pay for it?
Why on earth are they allowed to advertise that your credit report is free when it isn’t?
Isn’t that false advertisement?
I also tried Annual Credit Report and they want membership and a credit card just like all the others.
Jeesh!
Thank You all of you I don’t watch commercials because I **** television so that’s why I’ve never heard of freecreditreport but thank you for letting me know about it.

Roderick Drentlaw
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Filed Under: Credit

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RSSComments (11)

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  1. riya says:

    annualcreditreport.com

    I did it last month and it didn’t ask me for any credit card info…

  2. stfn314 says:

    freecreditreport.com? I always hear it on tv.

  3. that hot chick says:

    freecreditreport.com

  4. blue says:

    freecreditreport.com I dont know if it works i just remember the commercial.

  5. Galen B says:

    Clark Howard is a talk show host in Atlanta. his show covers these kinds of things

  6. Chris Robinson says:

    F-R-E-E that spells free- credit report dot com baby lol

    im gonna say freecredit.com

  7. tonalc1 says:

    The ONLY place where you can get your credit report for free, without having to sign up for any other service, is here:

    It gives you all three reporting agencies. I’m not sure where you went (named annual credit report) that required a credit card, but I’ve never had to provide one, or had to join anything.

  8. percsrock2000 says:

    go to
    you can do it free once a year. all you have to do is verify your identity and you can print them off. this is what I use for my husband and I. Hope this helps you. Good luck

  9. Xiomy says:

    The website is

    I get a different one (Equifax, TransUnion, Experian) every four months. Continue the cycle and it’s always free. They do not, however, provide you with a credit score for free (you have to pay for it).

  10. Tom K says:

    don’t go to freecreditreport .com there want you to sign up for credit reporting montioring
    visit .annualcreditreport.com you get your credit report from all 3 credit agencys you have to pay to get your fico score!
    6-9 buck pay for fico score that the most important thing
    know you score..

  11. toastytoastytoastytoasty says:

    call

    Equifax: (800) 685-1111
    Experian: (800) 311-4769
    TransUnion: (800) 888-4213

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