FREE CREDIT REPORT | Credit Score

Instant online credit report. Order a Free credit report. Check your credit score online. Get a Free personal credit report. Improve your credit score.

TODAY'S CREDIT TIP If you tell a Credit Reporting Act that your file contains inaccurate information, the Credit Reporting Act must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your ... Read more

Credit Fact Center

Homepage

Bankruptcy
Credit Bureaus
Credit Cards
Credit Fraud
Credit Information
Credit Rating
Credit Repair
Credit Report
Credit Rights
Credit Score
Saving Tips

Compare credit report services

Did you recently check your credit score? Receive a FREE credit score when you check your free Credit Report!
Check your credit report today, and find out about your credit score.

Free Online Credit Report and score

You receive all this for free - no obligation

Free Credit Report - easy-to-read with color graphics

Free Credit Score - with personalized tip for making your score higher

Free Debt & Income Analysis - examines your borrowing power

Plus a free 30-day trial of Credit Monitoring Services

Get your Free credit report! Click here

Free Credit Report Offers - AskMrCredit recommends

Your free credit report and credit score includes unlimited access to: Your Experian or Trans Union credit report and score Free one on one customer support Easy to use credit improvement tools and tips Early warning fraud alerts via email and much more...
Start Now and get your Free Credit Report and Score in just minutes.
First Name:	Last Name:
Email:	Zip Code:
Address:	Apt #:
City:	State:
Reason for Credit Report:	Select a Free Credit Report
If you choose not to cancel the free trial, you will be billed only $9.95/month. If you choose not to cancel the free trial, you will be billed a $79.90 annual fee.

If for any reason you are not satisfied you may cancel at anytime during the 30 day trial period at no cost or obligation. The credit report and score are always yours to keep.

Note: pulling your credit report for your own review does not affect your credit score.

Free credit report - free credit score

SPECIAL REPORT ON CREDIT REPORTS AND CREDIT SCORES

More Information from the Government The FDIC and the other federal banking regulators listed on "For General Information from Financial Regulators" have publications, Web sites, staff and other resources that can help answer your questions about credit and your rights as a consumer. The Federal Trade Commission enforces a number of federal laws concerning consumer credit and nonbank companies, such as credit bureaus. For general information, including consumer brochures and procedures for filing a complaint involving your credit files or an identity theft, call toll-free 877-FTC-HELP—that's 877-382-4357—or go to www.ftc.gov. Other consumer information from the federal government, including publications available from the Federal Citizen Information Center (call toll-free at 888-878-3256 or go to www.pueblo.gsa.gov) and the Web site FirstGov for Consumers (www.consumer.gov). Your state government also may offer assistance and information to people having credit-related problems. Contact your state's Attorney General's office or consumer protection office as listed in your phone book or other directories, or visit your state's official Web site.

WHAT DO THE CREDIT BUREAUS INCLUDE ON THE CREDIT REPORTS?

COURT RECORDS Bankruptcies, judgments, divorces, liens, satisfied judgments or liens are all considered court records and show up on your credit report as negative listings. Along with any payment histories on credit cards, mortgages, and other debt.

WHAT DO YOU NEED TO RECEIVE A CREDIT REPORT?

There are certain times when you are currently entitled to a copy of your report free, no matter where you live. In the event of an adverse decision related to your employment, the employer is required to give you a copy of your report. Otherwise, the free report should be requested from the CRA. You are entitled to a free credit report: If you have been denied credit (you must request a copy within 60 days). If you are unemployed and intend to apply for employment in the next 60 days. If you are on public welfare assistance. If you have reason to believe your file contains inaccurate information due to fraud. If an adverse decision related to your employment has been made based in whole or in part on information contained in the report. If your report has been revised based upon an investigation you request. To get a copy of your report you will have to give the CRA certain information. The information you need to provide may vary slightly, depending on the CRA you contact. Full name (and if a Jr., Sr., or II) Social Security number Driver’s license information Current address and your address within the last five years Date of birth Signature Home telephone number Employer For a copy of your report write, call, or connect online with: Equifax, Inc. P.O. Box 740241 Atlanta, GA 30374 (800) 685-1111 www.equifax.com Experian National Consumer Assistance Box 2104 Allen, TX 75013-2104 (888) 397-3742 www.experian.com Trans Union LLC Consumer ... Read more

Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.