Click here to get your Free Annual Credit Report This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit

Checking Your Report Now! - Your credit report is used by many different lenders and other entities to make decisions about you. When it comes to your credit report, it’s what you don’t know that can hurt you. Credit card companies, mortgage loan companies, auto loan and insurance companies, even landlords and employers check credit reports to find out about your credit past. The reason? They figure if you were responsible in the past, you will most likely be responsible in the future.

Dispute Your Equifax Credit Report Online - If you find an error in your Equifax Credit Report™ or in any of the products that contain information from your file (e.g. Equifax Credit Report™, Score Power®) you should initiate an investigation with us free of charge.

Order a 3-in-1 Credit Report Online Now

Get Better Rates. Make Smarter Decisions.

Get your entire credit history from all three credit reporting agencies Lenders can look at your credit report from any or all three major credit reporting agencies. Now you can get the full picture. Delivered in a single easy-to-read report, this consolidated credit report contains important credit information that can help you negotiate with lenders.

It's possible for incorrect, incomplete or outdated information to appear on your credit report. If it does, it can drastically lower your chances of getting the loans, credit cards, and other credit products you deserve. If you find an error, take the following steps to fix it as soon as possible. If you see evidence of fraud, contact the credit reporting agencies immediately. Explain the situation and ask that a fraud alert be placed in your file. Also report the fraud to the police, and your creditors.

Please note: It's important to keep a record of everything you do. Send all correspondence return receipt requested, and make copies of any letters or documents you send. Never send original documents.

Bad credit can happen to good people. Don't despair. There are ways you can get your credit back in shape. But you have to start working on it today -- and keep working hard to show potential creditors that you're serious about getting your credit back in order. As you do so, your credit score will improve, resulting in better credit offers and a substantial savings in money. Click here to learn more..