Yes it's really free! Unlike many offers you see on the internet for "Free Credit Reports" this report does not require joining any credit monitoring services. Those offers usually involve a "free" trial period with a paid credit monitoring membership, rather than a free credit report.
Just recently, the federal government mandated that the three major credit reporting agencies must provide U.S. citizens with a free annual credit report.
This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Reasons to check your credit report:
- Find and dispute inaccuracies before they interfere with your credit transactions.
- Make sure your credit report is accurate before critical life events occur when you apply for a mortgage, change jobs, or get married.
- Find out why you've been granted or denied credit. The information you'll see on your report helps lenders make credit-granting decisions about you.
- Review your report carefully unfamiliar accounts or addresses may indicate possible fraud.
- See who has looked at your report recently creditors, landlords, employers?
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