There comes a time as you sit at your kitchen table, maybe as you ponder a major financial purchase, that you decide that it might be best to get your credit reports for free to see exactly what type of information might be contained within them and to be quite truthful, it makes for a very wise decision indeed.

If you haven’t accessed your credit reports for free in a few years, then ordering and reviewing them just makes good common sense. In fact, it really shouldn’t matter if a large financial purchase is the works or not. In today’s day and age, especially with the vast amount of information that is reported to the credit reporting agencies, it is not uncommon to find information contained in your credit file that might be inaccurate.

Now before you start to panic, this is a situation that is easily handled.

The first thing you need to is to get your credit reports for free. Now before you rush off and fire up your computer and bring up your favorite search engine, there is a few things that you need to know about getting your credit reports for free.

The first thing that you need to know, is that no matter how many ads you have seen or heard telling you to call here or visit a site there to get your credit reports for free, every single one of those phone numbers or websites, except for one, is nothing more than way to get you to joining some type of credit monitoring program that will bill you on a monthly basis.

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Please read that again. Even the major credit reporting companies, Equifax, TransUnion and Experian, all operate these type of sites. Just so you know, this is not a knock on these companies, after all, they want to make sales, it’s a business. And as long as you are aware of that when you start looking for your credit reports for free, you’ll know exactly what to look for. Ok? Good.

Now the second thing that you need to know is that you are now entitled by law to receive your credit reports for free once every year. And you don’t need to sign up for any type of membership or monitoring service.

“And how do I do that?”

Simple. Ever since the Fair and Accurate Credit Transaction Act was signed into law in late 2003, you are entitled to receive a copy of your credit report from each of the three major credit reporting companies. All you need to do is contact each one and request it.

In fact, since the law was put into effect, the credit reporting agencies have established a website where you can access all 3 of your credit reports either directly over your computer where you can print them out, by mail or by phone and the process is incredibly simple.

All you have to do to get your credit reports for free is head to Annualcreditreport.com and dive right in. Everything is easily explained plus you’ll also find helpful information if you might be experiencing credit difficulties.

Click on the button below and get your credit check report with free scores and start monitoring your credit!

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