How To Get Your Free Credit Report In 6 Easy Steps


Africa Studio /

Let’s get right to the point: you need to get a free credit report on at least once a year.

It’s a great way to make sure your identity hasn’t been stolen. Plus, you might discover errors in your credit report that could unfairly affect your credit score.

So how do you get your free credit report? Let’s walk through the process, step by step:

1. Go to and click “Claim Yours Now!” ” Then click on “Request your credit reports”.

2. Fill out the personal information form.’s web address begins with “https”, which tells you that the site needs to be secure. There are other security guarantees. For example, it says that your social security number “will be encrypted for your protection”.

3. Choose the credit report you want to see. You are entitled to a free report from each of the three major credit bureaus – Equifax, Experian, and TransUnion – each year.

4. Answer a few questions. When you choose a specific report, you will be redirected to that credit reporting agency’s website. You will be asked questions so that the agency can verify your identity. You may want to have credit cards and loan account numbers handy, just in case you are asked to produce them.

Multiple choice questions can be tricky. For example, you may be asked for things such as:

  • Which county did you live in several years ago
  • What phone number you used previously

5. Then you will be taken to your credit report. You will also have the option of printing the report.

6. When you are finished, click “Return to”. If you wish, you can request your other two reports. But it might make more sense to review one of these reports every four months. You only get one free report from each of the big three credit bureaus per year, so it usually makes sense to stagger those requests.

For more tips to boost your credit, check out:

When was the last time you looked at a credit report? Did you find any errors? Tell us about your experience by commenting below or on our Facebook page.

Disclosure: The information you read here is always objective. However, sometimes we receive compensation for clicking on links in our stories.


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