How to get a free credit report (one that's really free)

There are several companies whose ads promise you access to a free credit report; however, according to the Federal Trade Commission, they often end up being a "bait and switch" scam. You'll get your free copy, of course - but you'll also end up paying to be a member of a service that you don't really need.

In reality, that "free" credit report may come with strings attached.

CAN I REALLY GET ONE FOR FREE?
Thanks to the Fair Credit Reporting Act, every consumer in the United States is entitled to get a free copy of their credit report once a year. You're also entitled to a free credit report if you've been denied credit, insurance, or employment due to your credit within the last sixty days.

WHO DO I ASK?
The only source for free credit reports that is endorsed by the Federal Trade Commission (FTC.gov) is the Annual Credit Report Request Service; in fact, the FTC warns that other companies promising free credit reports are most likely scams designed to weasel money out of unwitting consumers.

Working with the Annual Credit Report Request Service will give you access to your credit reports (remember, you are entitled to one per year - possibly more, depending on your circumstances) and won't ask you for anything in return.

HOW DO I GET IT?
To get your free credit report online, visit AnnualCreditReport.com. You will be asked to supply your name, Social Security number, address, and date of birth. For your safety and security, you might also be asked a question that only you would know the answer to, such as what kind of vehicle you have a current loan on or the amount of your monthly mortgage payment.

If you're not comfortable online, you may download the printable application form from the Federal Trade Commission's website (FTC.gov), fill it out, and mail it to:

Annual Credit Report Service
P.O. Box 105281
Atlanta, Georgia 30348-5281

They also have a toll-free telephone number for consumers without internet access. By calling (877)322-8228, you'll be able to request your free credit report by mail.

When you request your credit report, you may either have it made available online or mailed directly to you through the United States Post Office. If you choose to view it online, it will be available immediately after your request is approved; if you choose to have it mailed, it will go out within fifteen days from the date of your request.

Don't be fooled by companies promising you a free credit report because they've scared you into signing up for their service. While you do need to monitor all credit activity that you're responsible for, don't forget that the Federal Trade Commission has ensured that you are entitled to a free copy once every twelve months.

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