InfoBarrel > Business & Money > Finance > Credit & Loans

Absolutely Free Credit Report

0 Comments | Rating: 0 | |

If you have been looking for an absolutely free credit report then you should be happy to know that the Fair Credit Reporting Act that came into existence in 2005 has mandated that every citizen should be able to access their personal credit report from all three credit bureaus once a year for free. This has become a hard and fast law and if you haven't accessed your credit report yet this year then you should have no problem getting your credit report from all three bureaus as long as you know where to go to receive your free reports. Most people who are looking for an absolutely free credit report have heard about this law and have then tried to go out and access their credit reports but to no avail. How could this be when the government has mandated that everyone must be able to access their credit report for free once a year without prejudice and without exception?

It is because that an entire free credit report industry has cropped up over the past few years ever since the government has enacted this law, and many of these companies that say they can offer you your free annual credit report will only be able to do so when you can give them your credit card information and other personal data. Many of the companies that do this will then bill you for other credit products after you have given them such information, and often times these companies will not even tell you that they just billed you for something at all and will just continue to charge you until you cancel. These sorts of rebill credit products have come under heavy scrutiny lately due to their providers' unscrupulous business practices, and you must take caution before giving them either your personal or credit card information because you really don't know if they are going to charge you for another product later on down the line.

That being said, what should you do when you are in search of an absolutely free credit report without any strings attached? The best and most reputable website that you should turn to that can truly give you an absolutely free credit report without having to supply any of your credit card information or other payment details is located at AnnualCreditReport.com, and you can feel confident about giving your personal information at this website because it is fully endorsed by the government. This website can truly provide you with an absolutely free online credit report with no strings attached and it was setup to be the primary channel that people could turn to after the Fair Credit Reporting Act was put in place.

The only drawback to this site is that they cannot provide you with your credit scores along with your free credit report, so if you were looking forward to gaining access to your credit scores then you might have to take your chances with the companies that will try to sell you stuff and take your credit information. You must think about what you truly want and what your available resources are before you make a decision on where to go for your free credit report, but in the end the number of companies that can truly provide absolutely free credit reports without using upsell tactics is slim, and as long as you are aware of this going forward you can make a rational decision on what company and website you should turn to for your free annual credit report.

Additional Credit Report Resources