How to Get a Free Credit Report

by | Mar 10, 2020

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Whether you are looking to buy a new house or simply want to learn how your credit score is looking nowadays you are in the right place! We want to let you know that you have options when it comes to getting a free credit report.

Keep reading to learn more about getting a hold of a free copy of your credit report.

Major Credit Bureaus Free Credit Report

In 2003 the Fair and Accurate Credit Transactions Act, also known as FACTA, passed a law that allows everyone to get a free copy of their credit report from the three major credit bureaus. Those credit bureaus include TransUnion, Equifax, and Experian.

In order to get your credit report for free, you have to either call 1-877-322-8228, go online and order your request, or print out a form requesting your credit report and mail it in. 

Keep in mind that you can only do this once a year. Unless there is a special circumstance before the year is up you have to wait a full twelve months for your next report. The special circumstances include if you are unemployed and are planning on looking for a job within 60 days, you are on welfare or are a victim of identity theft. 

There are states such as Georgia that have passed laws that allow you to have more than one credit report per year. Double-check the laws in your state if you find yourself needing more than one free credit report per year.

RocketHQ

Another way to access a free credit report is through RocketHQ. It is pretty simple and has a credit monitoring feature that will keep track of changes in your credit history, and alert you as well. You simply have to create an account online

To get the most out of your credit score account, you can download the RocketHQ app on either Android or IOS. 

Something unique about RocketHQ is that they will show you how different factors, like payment history or any negative information, can impact your score. This makes it easier to know what steps to take to improve your credit score and start taking action immediately. 

Other Options

There are a few credit reporting agencies that will allow you to get one free credit report without having to give them a credit card or sign up for a subscription. These sites include:

  • annualcreditreport.com
  • yourscoreandmore.com
  • National Credit Report
  • 5SecondsCredit.com 

Is It Safe?

Getting a credit report is safe as long as you go with a reputable company or through one that FACTA has recommended.  Sites like RocketHQ protect your personal information by using a 256-bit encrypted connection, that is also used by financial institutions and major banks.  

Ready to Keep a Close Eye on Your Credit?

Now that you know how to check your credit and get a free credit report, you can take action and check on where you are on the FICO score scale. Having good credit is part of your financial health and will affect many things from interest rates on auto loans all the way to home loans. 

If you are working on improving your finances and want to learn how to lower your bills we would love to help! Check out different ways you can lower your bills in 2020.

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