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The Only Website to Get Your Credit Report

Don't Get Ripped Off When Checking Your Credit Report

Contrary to what wants you to believe, there's only one website that provides truly free credit reports and it's not that one. If you're looking to pull your three free credit reports, one from each of the national credit bureaus, the only website you should use is

The site that you've surely seen advertised,, requires that you enter your credit card information and agree to a monthly plan of free credit reports — except it seems they're often not actually free. The option to opt-out of enrollment isn't made clear, and the $15 per month cost of their services are applied to the card number that you provided.

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Entertainment Entertainment 9 years
I actually had a really good experience with -- but I might have just gotten lucky with customer service. I had 30 days free, and naturally, I realized on about day 29.5 that I hadn't canceled yet. I frantically sent an e-mail because the phone line was already closed (did I mention it was the Friday of a holiday weekend?) and on Tuesday I had an e-mail from someone at customer service saying they would cancel the monitoring and remove the fee I'd already been charged. And they did! Never hurts to ask ... but I can't say I'll be going back there.
MandyJoBo MandyJoBo 9 years
I wish more people knew this also. I can't imagine paying for a "free" credit report. is the one I use, but it was hard to find when I wanted it.
aimeeb aimeeb 9 years
I wish more people knew this, luckily I do. :)
jimmalou1978 jimmalou1978 9 years
And what else they do not tell you on the commericals is that charges you for a YEAR of credit monitoring in advance! They say you can check your report for errors, and they will monitor it for you and alert you. I signed up for this service a while ago, and I could NEVER even log in to the site to cancel. I got charged $79.95 to my debit card, which caused me to be overdrawn. I had to go through the bank and fill out paperwork to get the money refunded! You have to pay the credit reporting agencies for your credit score, but you can get a copy of your credit report (including instructions for filing disputes if you find an error) to check for inaccuracies, see who's checked it, etc...from all 3 credit reporting agencies (Transunion, Experian, Equifax) once a year for free by going to It's up to you if you want to pay for your actual score. It's a really good idea to check your credit report once a year to make sure everything is correct. Checking it more often than that will actually bring DOWN your credit score.
hausfrau hausfrau 9 years
AnnualCreditReport doesn't have the catchy commercials though! How do we expect those pirate guys to get paid if we don't pay?? :)
Abbigail Abbigail 9 years
I checked my credit report with and I wasn't charged $15 dollars because I canceled by the end of the month. My credit card company did send me a report once a year, but I opted out of that program because I didn't like the extra charge every month. I was also told that every time you apply for a loan or credit card, they check your report and you can request that they send you a copy.
Smart-Living Smart-Living 9 years
thedingo- Yes, you're eligible for one free report from each bureau, which gets you three reports total. However, your credit report and credit score are two different things that are generated separately.
thedingo thedingo 9 years
I was told by the man who did my taxes that you are allowed to look at your credit report once a year for free from every agency.
eej eej 9 years
I get my credit score for free from the credit card I have through my bank. They notify me every time it changes by 10 or more points. It also has historical data on what my score has been in the past and what I can do to improve it now.
gooniette gooniette 9 years
Yeah, that's what I thought. I wish I still had some friends in the mortgage business who could check that out for me.
Smart-Living Smart-Living 9 years
No gooniette, as far as I know there aren't any sites that will generate your credit score for free.
gooniette gooniette 9 years
Does tell you your score? There are some sites that will give you your credit history, but you have to pay extra for your score.
princessjaslew princessjaslew 9 years
i think there are a few websites that give you a month free or something like that. but you HAVE to cancel within a month.
bellaressa bellaressa 9 years
Thanks Savvy, I was wondering about this. Maybe it's just best to pay.
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