How To Get A Totally Free Credit Report

Ordering credit reports is not as affordable as some people might think.  If you take the time to order each credit report individually you could pay, on average, $9.00 per report. If you order all three credit reports at once you could end up spending almost $30.00.

This might not seem very expensive until you take into account that this is giving you access to your report for a very limited period of time. If you need to view your credit report later for other reasons you will have to pay for access all over again.  That is why more and more consumers are looking for a way to get a totally free credit report.

There are many services that offer free credit reports but many of these require that you sign up for some sort of service.  These services can very from credit monitoring to credit repair and you will be charged for those services.  While your credit report is technically a “free” part of the package since you are actually paying for the repair or monitoring but the point is you are still spending money.

One way to get a credit report without paying one cent is to see if your bank, credit card issuer, or other lending company offers their consumers free credit reports.  Many companies offer at least one free credit report a year to their customers in return for banking with them or using their companies’ services.

Some of these totally free credit reports include credit monitoring for the year and don’t require any payment at all on your part.

Another totally free credit report option is to send a written request to the major credit reporting agencies immediately after being denied credit.  In order to help you understand why you have been denied a loan or credit card you have to be able to view the same credit report agency the lender reviewed.

In some cases a lender will give you immediate access to your credit report and, in some cases, your credit score online after you have been denied credit.  In most cases it is up to you to mail a written request to the credit reporting agencies and in some cases you will have to send a copy of the denial letter.

Mailing requests and making calls might seem time consuming but in this situation you are trading your time for money.  Writing an official request or calling an automated line will ensure that you get free access to your credit report.

Remember, when you are getting your totally free credit report this way you don’t have to worry about giving any credit card or banking information or signing up for additional services.  So these methods are perfect for those who do not have credit cards or who just don’t feel comfortable with certain online transactions.

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