Credit reports used to cost nearly $10 each. At present, all Americans have the right to free credit reports each year from any of the 3 major credit bureaus, namely Equifax, Experian and TransUnion. These agencies are required to present consumers a free copy of their credit report once every year if requested.

Free credit reports have to be ordered via the national central clearing house. Consumers who ask for a credit report straight from on of the 3 major national credit reporting bureaus will be charged for those details. For you to obtain a free credit report, it is important that you present your personal details, which includes date of birth, social security number and address.

Whether consumers decide to obtain a credit report from one or all of the major credit reporting agencies mentioned earlier, using the Internet makes the entire process simpler and faster to go through. Credit agencies also provide numerous choices to select from, including obtaining a credit score. However, keep in mind that these selections are likely not free. Consumers do not have to purchase any of the extra services to obtain their free credit report.

Take note that the reports will not be sent to you just like that. Consumers who wish to receive their credit reports should make a request either online, by phone or by mail. Whichever method you choose, make sure you know how to get your free credit report without getting charged for additional services.

You are permitted to request for credit reports from all 3 major credit reporting agencies at the same time or at separate times throughout the year. It’s really up to you in this case. However, ascertain that you order from the centralized agency (as mentioned earlier). The 2003 regulation did not get rid of the other methods to obtain a free credit report. You still have the right to a free credit report if you’re applying for unemployment or obtain public assistance; denied a loan, job or insurance policy due to your credit report; you presently live in a state that already provides a yearly free credit report from each credit reporting agency.

Now that you know the basics on how to get your free credit report, just remember that all items that are reported are correct and precise.