Every consumer is entitled to obtain 1 credit report, free of charge, from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from www.annualcreditreport.com. AnnualCreditReport.com is the official web site to help consumers to obtain their free credit report via secure website, phone or mail. Therefore, you should carefully read the fine print on other web sites offering “free” credit reports. Many of them are only free for a short period of time and then you get charged, often a monthly amount which the provider may not refund.
AnnualCreditReport.com doesn’t provide credit scores, or more specifically, FICO® scores. However, you will be given an opportunity to purchase a credit score from any of the nationwide credit reporting agencies after you receive your free annual credit report from any of them in response to a request made through www.annualcreditreport.com. Many web sites offer generic credit scores, but you probably want to check your FICO® score and not just any credit score. If you really want to be sure that you are seeing the same information that your lender is judging you by, ask the lender which credit score they are using and then purchase that exact score, or set of scores.