Free Credit Report

September 20th, 2007 | by admin |

Free Online Credit Report

Taking charge of your own credit is an important step to ensuring a strong financial future. Something that everyone should do occasionally regardless of their credit history is to take a look at their free online credit report.

A free online credit report details your current and past financial situation. It reveals both your current debts along with any debt you carried in recent years. It also shows if you’ve missed any payments.

Everyone is rated on their free online credit report depending on several factors. It is this rating that can determine whether or not you qualify for more debt. When you are looking at purchasing something large such as a vehicle or a home, this rating plays a major part in the borrowing agency’s decision making process. A bad score on your free online credit report can mean difficulty when it comes to taking on more debt.




Although it’s very likely that your free online credit report will contain correct information errors do occur. If you do notice any mistakes on your free online credit report than you should work to correct it as soon as possible.

This can generally be done by contacting the company that has reported the incorrect information on your free online credit report. Collect all of the necessary information including all payments you’ve made and when they were made. If your free online credit report shows an outstanding debt that you have paid, be prepared to show them documentation that you did indeed pay the debt.

The information contained in your free online credit report is generally very current. Therefore when you ask a company to fix an error, the correction will show quickly.

Most free online credit reports are actually offered as a bonus when you sign up for some type of financial service. One of the most popular new services online is free credit monitoring. When you order this service the company will supply you will your free online credit report for signing up. They will also monitor your credit activity for a fee each month. Many people feel this is a valuable service in light of all the identity theft that is taking place.

It never hurts to check your free online credit report to see where you stand. You might be pleasantly surprised by how well you’ve done with managing your debts. If your credit score isn’t where you want it to be there’s no time like the present to change that.

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  1. 49 Responses to “Free Credit Report”

  2. By Shirley J. Roberts on Oct 3, 2007 | Reply

    I need to take control of my credit and see where I am going with this info

  3. By VIRGINIA BLACK on Dec 19, 2007 | Reply

    I NEED A CREDIT REPORT, THAT DOES NOT REQUIRE A CREDIT CARD, AS I HAVEN’T HAD ONE IN OVER 2 YEAR

  4. By Rana Masri on Feb 25, 2008 | Reply

    Hi! My name is rana Masri and i am emailing regard to my credit report. I had recently paid off my visa and line of credit that was in collections and prior ro that i was making payment arrangements. i just would like to get a credit report so i can work on the areas that i need to improve.

    Thank You!
    Rana masri

  5. By Rana Masri on Feb 25, 2008 | Reply

    Hi! My name is rana Masri and i am emailing regard to my credit report. I had recently paid off my visa and line of credit that was in collections and prior ro that i was making payment arrangements. i just would like to get a credit report so i can work on the areas that i need to improve. My phone number is… 403-399-2739

    Thank You!
    Rana masri

  6. By bill shaver on Jun 24, 2008 | Reply

    i owe money but have no idea where or how much it was my ex who did this to me

  7. By Gary Griffin on Aug 7, 2008 | Reply

    I need information how do i get a free credit report?

  8. By catherine Mitchell on Feb 9, 2009 | Reply

    I have paid a account that went into collection , and it is recorded that the account has been paid , but it is still on my credit record , how can I get this removed , I am interested in buying another house , and I have been told that this will go against me and needs to be removed . Thanks

  9. By marcel dupuis on Feb 20, 2009 | Reply

    i want to go bankrupt and need the names of my creditors

  10. By mary kay sosnowski on Apr 2, 2009 | Reply

    My purse was stolen from my desk 4/1/09
    all my cards and s/s card, driver lic. Ineed to know what to do? CAN YOU HELP ME
    MY C/P IS 920-915-1448 THANK YOU
    MARY KAY SOSNOSKI

  11. By Jamie Seavolt on Apr 7, 2009 | Reply

    I need a person to cotact me about my credit report. I have alot of things that show an should not. My phone number is 740-398-2381. Please contact me this is very imperative. Thanks

  12. By Ronald J. Lunser on Apr 15, 2009 | Reply

    I have a Dispute on my credit report and it has
    Federal and State tax liens on report and has been paid over 3 years ago and have copies from recording office and would like to fax over info and get off my credit report. You can reach me at 612-710-4290 or e-mail me at
    rlunser@yahoo.com with info.
    Thank You!

  13. By Adelia Leclaire-Gonzalez on Apr 20, 2009 | Reply

    I have tryied for about two months to obtain my free credit report, both on line and in writing but I have not succeeded to this date.I was told by a Bank where I had a joint account years ago, that the other person did some bad checks. Please,I would like to talk to a live person ASAP about how can I get my free credit report? My # is 303-400-6952 or e-mail me.

  14. By Laurie Lewis on Apr 22, 2009 | Reply

    I am trying to buy a house. There was a late fee on my credit cards I took care of the balance and the credit card company removed the late fees.I was told that the credit card company needed to fax a letter to my mortgage company stating that the fees were removed and I had a zero balance. They sent one letter with the wrong info on it. When I asked them to send a second letter they refused and said I would have to wait until my statement came out. The credit bureau wouldn’t take a print out of a statement showing that the late fees had been removed and zero balance. I am at my whits end is there anybody that can help me ?

  15. By Richard L hurst on May 9, 2009 | Reply

    Hi You have the year wrong on year i was born.
    It is 1946.Current employer Sprinkler Fitter, U.A. Local 669 .Prevous employer Trade West Eng.

  16. By JOYCE DEARING on May 14, 2009 | Reply

    I am trying to buy a car, And the dealer said a red flag camw up and said husband passed away,I NEED TO KNOW WHAT TO DO.I TRYED TO CALL BUT I COULDNT TOLK TO ANY ONE, PLEASE HELP ME, I WILL BE ABLE TO GET MY CAR IF I CAN TAKE CARE OF THIS, I NEED A WAY TO GET TO THE DR. I HAVE GOOD CREDIT WITH GMAC I HAVE ALL WAYS MADE MY PAYMENTS ON TIME. THE FLAG IS ALL THAT IS STOPING ME.IMARRIED AWONDER MAN IN OCT. 6-06AND HE PASSED IN JUNE3-08. JOYCE DEARING

  17. By glenn brown on May 19, 2009 | Reply

    just try and get a credit report for free,hahahahahahahaha

  18. By Vincent Pascarella on May 27, 2009 | Reply

    We have received a credit reoport that is not correct and we want to speak with a person in regards to this issue. Please contact us with a phone number that we can call!!!!!

    The Pascarella’s

  19. By Ollie S. Lubeck on May 30, 2009 | Reply

    Dear Equifax. I will no longer need the service of Equifax, You were receiving payment by credit card, This no longer exists. Please advise whoever this will effect immediatly Thank you.

  20. By margaret monsey on Jun 10, 2009 | Reply

    I have a letter here from mbna ny idenity was stolen in 2000. I didn’t know it till the first of he year. I found out cause I applied for credit loan.. and ofcourse denied. I want a free credit report not one that I have to pay for.
    The company name is Asset Acceptance LLC.
    If you can help me it would be appreciated.
    margaret

  21. By Marian T. Schulz on Jun 12, 2009 | Reply

    My name is Marian T.Schulz and I need to know WHO asked Equifax for my credit report 6/1/09 from you for a large amount of credit. This info was supplied to me by Discover Identity Theft Protection Membership, but it’s no good to me unless you reveal who you sent my credit report to. I have applied for no credit of late at all. Please shed some light on this for me. Thank you. MTS. 6/12/09.

  22. By A. Bell on Jun 22, 2009 | Reply

    I find thaat most of the “FREE” report sites end up signing you up for something you don’t want, for a fee you don’t want to pay. How can one get a truly “FREE” report,from the “Big Three” reporters ??

  23. By Max on Jun 25, 2009 | Reply

    I tried to rent a car last time when I travel they told me they couldn’t check my credit with equifax .I want to know what I need to do

  24. By j boyce on Jun 26, 2009 | Reply

    where are the phone numbers

  25. By angela watkins on Jun 26, 2009 | Reply

    i paid off a medical bill in 07 for almost 1700 the bills were being sent to an address that i have never heard of finally when they did get the right address they were taking me to court for non payment.now i can’t get them to take it off my credit how do i go about doing this?i have contacted the attorney that was taking care of this and i was informed that it was sent to the judge and he had not signed it.the attorneys office said they could send me a paper saying it was paid but it would not be sighned by the judge.what do i do to get this off my credit?

  26. By Helena' Walls on Jun 26, 2009 | Reply

    I requested my credit reports and received them and on equifax it is showing 4 bills not paid, but I paid all, I was trying to get a mortgage,but because there is no phone number to clear up probelms I sent a next day request to equifax to clear up where the 4 bills are paid I am retiring 7-17-09 and it will be too late at that point for me to get a mortgage, because I will not be working, equifax needs to have a way that people can talk with them directly. This is a no service bureau! My mortgage company will only use equifax, I told them to go go TransUnion and these bills are showing paid, but they would not. I am very unhappy because this is causing me not to be able to buy that home I need.

    H. Walls

  27. By SpunkeyArt says on Jul 1, 2009 | Reply

    Equifax and all the other credit reporting agencies are not on your side. They are for the “disadvataged” monorities and liberal women groups. They are in bed with ACORN, SEIU, UAW and Unions in order to level the playing field. You will never be able to get in touch with any of them. You are all suckers, they deliberately screw up your credit reports for their own socialist purposes to destroy the middle class…why do you think the housing market collapsed under Fanny and Freddie because credit scores didn’t matter to the poor and so called disadvantaged…wake-up America!

  28. By Spunkey says on Jul 1, 2009 | Reply

    Read Glenn Beck’ book “Common Sense”
    why do you think the housing market collapsed under Fanny and Freddie because credit scores didn’t matter to the poor and so called disadvantaged…wake-up America!

  29. By loretta prisco on Jul 2, 2009 | Reply

    cannot even get a phone number for them. anyone out there have one?

  30. By steven on Jul 20, 2009 | Reply

    it should be against the law to have the power over ones credt with out haveing a phone number to settel the problem !!!

  31. By mannis mouton Jr. on Jul 29, 2009 | Reply

    i would like to put a freeze on my credit.

  32. By Tracie Mathis on Jul 29, 2009 | Reply

    I am trying to save my credit and I am doing all the responsible things to ensure that I wont have a bad credit report. Little did I know all these years of paying my bills on time would not matter. Experian does not have a clue on what is going on, so why do creditors rely on what they have to say! I would like to talk to someone from this SO CALLED COMPANY so I can update them on what is REALLY going on with my life LETS GET MY CREDIT SCORE RIGHT!!!!!!!!!!!!!!!

  33. By Andy on Aug 7, 2009 | Reply

    In order to dispute most things on your credit report, you need to have a copy of it. Depending on the company some allow you to use a number they assign to you online, and others require you to have a hard copy mailed. Experian requires an online number they assign when you get your free copy off of the web. Then you can call them with that number in hand and challenge most items on your report. Equifax needs you have your copy mailed. Then they will have a contact number on the top of that copy for you to call with any disputes. I cannot say about TransUnion as I have yet to receive a copy from them to see if any of my info is correct. We really need to regulate these companies! Contact your state and federal elected officials and explain your want to effect change. Only we have the power!

  34. By CHARLES C KOSTMERCHOCK on Aug 9, 2009 | Reply

    TO WHOM IT MAY CONCERN

    MY NAME IS CHARLES C KOSTMERCHOCK I WENT ON LINE AND GOT A COPY OF MY CREDIT REPORT. I PRINTED IT OK BUT I DIDN’T GET ALL THE LISTING OF MY CREDIT CARDS AND ALL THE BILLS OF WHAT I OWE TO BISSINESSES COULD YOU PLEASE SEND ME A COPY OF THAT STUFF.LAST YEAR I GOT ALL OF THAT STUFF BUT THIS YEAR IT TIMED OUT AND DIDN’T GIVE ME A CHANCE TO COPY ALL OF THEM ITEMS. I GOT MY CREDIT SCORE OG809 OK BUT THATS ALL

    ANY QUESTIONS CALL ME AT

    CHARLES C KOSTMERCHOCK
    12301 AUGUSTA WOODS CT
    ORLANDO, FL32824
    407-856-6448

    THANK YOU VERY MUCH

  35. By Betty Davis on Aug 20, 2009 | Reply

    I could just say see comment by Charles Kostmerchock, but I will state my case. I went on line to check my credit report and received no helpful information. There was no listing of accounts and no indication of problems. I paid for my credit score which was very good, but no a high I expected and i received no information to help know why. When I tried to contact by phone I got the automated answering service that provides none and nothing. My question is how am I to obtain the information I need?

  36. By patriciamaezes on Sep 3, 2009 | Reply

    please change my phone muner 815-609-4187 new my file no.0264958580

  37. By patriciamaezes on Sep 3, 2009 | Reply

    please change my phone no. 815-609-4187 my file no.206092884

  38. By Mary Negrete on Sep 16, 2009 | Reply

    I am divorced and was granted in court spousal maintenance and now my ex in almost $6,000.00 in arrears. How can I get this debt put on his credit report. I am disabled,with a disabled daughter and a 14year old grandson and cannot make ends meet.

  39. By Judith A. Sills on Sep 16, 2009 | Reply

    I need someone to contact me about my Equifax
    Credit Report; I was told I could get a phone number to call but I cannot find it. Would you please contact me at my email address or at 901-324-8288. There are some discrepancies
    that I do not understand. Thank you.

  40. By deanna on Oct 15, 2009 | Reply

    Equifax how do I reach them,they are selling my info to credit card co. ect…and now Iam being denied credit and getting ding all over the place for all the inquiries into my credit history. But I have alawyer now HA HA more money I dont have, just to try to contact equifax, no reply on internet and no phone# no answer by mail, what the helll to do!!!! anybody know???????

  41. By Joseph Flynn on Jan 3, 2010 | Reply

    hello i want equifax phone number

  42. By Barbara Moreau on Jan 13, 2010 | Reply

    I need a phone number to call for report.
    I’m not sure about doing it on the computer

  43. By Breston L Harris on Jan 30, 2010 | Reply

    I need a phone number to call for a report or mailing address.

    thanks

  44. By Breston L Harris on Jan 30, 2010 | Reply

    I need a phone number to call for a credit report or a mailing address.

    Thanks

  45. By willie Baker on Feb 17, 2010 | Reply

    You are reporting the wrong information on me.
    Please check information on Willie Baker and Willie
    L. Baker

    225-933-4830

  46. By kathy wilson on Mar 26, 2010 | Reply

    i want to get copies of my credit score, to improve it, with out having to pay, i never have requested this information before.

  47. By juanin on Apr 5, 2010 | Reply

    Hey, credit reports hey

  48. By JOHN S SMITH on Jun 3, 2010 | Reply

    I HAVE ATTEMPTED TO USE THE CANADA POST WEBSITE IN ORDER TO HAVE THEM HOLD MY MAIL TEMPORARILY.
    ALL WENT WELL UNTIL I WAS ASKED TO COMPLETE A SECTION WHERE YOU ARE INVOLVED.
    I WAS ASKED QUESTIONS ABOUT A JAGUAR CAR LEASE ORIGINATING IN 1994.
    NAME OF LEASE COMPANY.?
    (WAS A JAGUAR CAR THROUGH BUDD’S OAKVILLE?
    MONTHLY PAYMENTS.
    (AROUND $575)
    I HAVE HAD SEVERAL CARS SINCE THEN AND ALL LEASES HAVE BEEN CLOSED.
    MY FILES DESTROYED.
    I OWN MY CAR.
    PLEASE ENSURE YOUR RECORDS ARE UPDATED AS I CANNOT MOVE FORWARD WITH MY CP ACTIVITY.

  49. By Valarie Martin on Jun 4, 2010 | Reply

    I was trying to get credit, and couldn’t, so i need to know what is stoping me.I tried calling to get my free report but could not get thrugh, please help.

  50. By cheryl smith on Jun 22, 2010 | Reply

    all credit cards,license etc stolen
    what to do?

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