Free Credit Reports – Know What is On Your Credit Report

I’ve posted this before, but I have been asked for the information, so I’m posting it again.

Did you know you can request a free copy of your credit report once every 12 months?  It is important to verify the information on your credit report periodically.  If you have excellent credit, don’t assume everything is okay.  If you have less than perfect credit, review your report to make sure everything is correct, and use it as a tool to see where you stand.  Knowing what you owe is an important step in getting out of debt.

There are three nationwide credit reporting companies:  Equifax, Experian and TransUnion.  Get you free copy of each report from  This is a FREE service, not to confused with sites that require a membership.  Each of the 3 credit reporting agencies will offer to sell you your credit score.  You are not required to buy the credit score to get the credit report.


Please see my disclosure policy.

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