There are various ways on how to get free credit report online; but there is only one official website that is mandated by the government as your certified source for your annual credit report for free. This is in line with the government’s ruling that every American is entitled to one free annual credit report from each individual main credit bureau, namely: Equifax, Experian and TransUnion.
In order to get your annual free report, you have to make a request for your copy because this is not something that is automatically sent to your mailbox. One way to do this is to go to each individual site of the three main credit reporting companies. However, this is not highly advisable because this would be very inconvenient on your part as you will need to make three separate requests for each of these agencies.
Moreover, in some instances you will be charged for your copy of the annual report unless you meet the qualifications for the free copy, depending on the company’s standards and policies. In order to avoid such incident, it is best to go directly to the official website of the three companies who merged on this site, Which Credit Report Is Best in order to give their common service; which is to send you your free copy of the credit report.
Therefore, the best way for you on how to get free credit report online is to go to the AnnualCreditReport.com; this is the official web site mandated by the federal government for this purpose. The three major credit reporting bureaus will supply you with an annual copy of your credit report upon your request. You will receive one report from each of these companies under only one request.
When you finally receive your free copy, it is best to check the authenticity of the entries contained in your report because sometimes errors may occur that results to lower your score. You will further notice that your score may sometimes be different from each of the credit-reporting agency.
This usually happened when creditors will report your credit history to only one agency instead of the three of them; thus, creating the variance of your score. In any case, you will have an idea of what your real score based on the ratings of these major companies and you will be able to make necessary changes if need in order to improve your score. This method offers the best solution to your problem on how to get free credit report online.
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