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Checking your Credit Report Online

There are many websites that will try and scam you when you are trying to get your free annual credit report.   Under the Free File Disclosure Rule of the Fair and Accurate Credit Transactions Act (FACT Act), each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it.   The safe website to visit for this is,  however you can also request this information by calling 1-877-322-8228  or mailing in a form the Annual Credit Report Request Form.  We would recommend phoning or mailing in the form as this has less chance of error in retrieving the reports.

For more information See: Facts for Consumers on Building a Better Credit Report