Free Credit Report Online

Some companies will provide your free credit report online when you sign up for their credit monitoring service. These services allow you monitor your credit file on a continuous basis, which can be especially beneficial if you are trying to restore your credit or if you are worried about identity fraud. Before you sign up for one of these services, you need to realize that you will pay a monthly fee that continues until you cancel your subscription.

If you just want to see what is in your credit report, you can do so without signing up for any special services. And it won't cost you a thing. In 2003, congress passed the FACT Act in part to encourage people to check their credit files for accuracy. The FACT Act, which stands for Fair and Accurate Credit Transactions, entitles consumers to obtain one free copy of their credit report every twelve months from each of the three credit bureaus. The main access point to obtain your credit report under the Federal law is at:

Other instances when you qualify for a free report

You are also entitled to a free copy of your credit report if you have been denied credit. While you can't get your report online, you can get a copy of your credit file by writing to the individual credit bureaus. For more information on this, see how to get your Free Credit Check.

Paid Online Credit Report Services

So what can you do if you need to check your credit report, but yet don't qualify for the free options. Your best bet is to order a single report from one or all three of the individual credit bureaus. You can find out more about how to order these reports on the following pages:

  1. Equifax Credit Report
  2. TransUnion Credit Reports
  3. Experian/TRW

Top of Free Credit Report Online page. To help you understand more about your credit report and what you can do to fix problems and improve your rating, check out the following articles: