Let’s dispel the rumors and the half truths. You can get your free credit report online any time you wish. Now granted, you need to know where to go and what to do and we’ll cover that here for you. And like with most things, there are a few minor catches but not any that will cost you anything out of your pocket.

One of the first things that you need to know is this. Ever since the Fair and Accurate Credit Transactions Act went into law in 2004, it is now mandated by law that you have the right to receive your credit reports from all three of the major credit reporting companies once every twelve months. It doesn’t matter if you order all three at once or you stagger it throughout the course of the year to view any significant changes. And you can receive your free credit report online or via mail or by placing a phone call.

Another aspect that you need to know about getting your free credit report online is that only one website, read that again, one website, has been set up by the three major credit reporting agencies in order for you to do this. And that website is annualcreditreport.com. Take a minute and jot that down so you can have it for future reference.

Since you are going to be using the Internet to get your free credit report online and you somehow land on a different website than the one you just wrote down, you are definitely not in the right location. Hit the back button, retype it and make sure it says annualcreditreport.com in your browser. OK?

Click to View Your Report

Now since you will be accessing your information on your computer, be sure to have plenty of ink and paper in your printer. The reports that you receive on your home computer are in printable form. And for security purposes, it’s highly suggested that as soon as you receive them, print them out and clear the screen. Now granted, maybe that is being just a tad over paranoid but your credit report contains a lot of financial information and it is always better to be safe than sorry.

And since you are seeking your free credit report online, the above named site also has a wealth of information that is relevant to many different types of credit matters. They have a Frequently Asked Questions area that provides you with many resources for credit repair, understanding your credit report, identity theft, how to file an online dispute and even links to the various government agencies that deal with credit fraud.

The only sensitive information that is required from you when you start the process of getting your free credit report online is you will have to enter your social security number. Rest assured though, your information is encrypted every step of the way for the utmost security. So take advantage of what the law provides you on a yearly basis. It just makes for good common sense.

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

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