To get a free credit score, navigate to AnnualCreditReport.com, provide the requested information, and view reports from the three major credit reporting bureaus. This is the only source for free credit reports, which is authorized under federal law, notes AnnualCreditReport.com.Continue Reading
With each of the three bureaus, the user must provide identifying information in order to access his credit reports, notes AnnualCreditReport.com. This involves answering questions about previous accounts, addresses and vehicle ownership. To get free credit reports, follow the steps below.
Point any Web browser to AnnualCreditReport.com. From the home page, click on Request Your Free Credit Reports.
Follow the prompts shown to fill out forms requesting a credit report from one to three major credit reporting bureaus. The available reports include those from TransUnion, Experian and Equifax.
Before viewing the reports, answer the questions regarding previous accounts, loans and other financial questions that no one else would know. These questions are designed to be difficult to answer, which is a safeguard to ensure that no one accesses the reports of others. Some of the questions may require looking at financial records to retrieve an answer. Once answered, the credit reports can be viewed and printed, if desired. Questions must be answered with each bureau to see that bureau's report.