Go to: AnnualCreditReport.com and get your reports in minutes.

These reports do not contain your FICO score, which you do have to pay for by going to MyFICO.com. You can buy your score, which is included in the standard package, for $15.95.

Go to: https://www.annualcreditreport.com/cra/index.jsp” target=”_blank” rel=”nofollow”>AnnualCreditReport.com and get your reports in minutes.

These reports do not contain your FICO score, which you do have to pay for by going to http://www.myfico.com/Products/FICOOne/Description.aspx” target=”_blank” MyFICO.com. You can buy your score, which is included in the standard package, for $15.95.

It is good to know your score,in that case,you will never feel surprised when your lender refused to lend money to you,just track your score,it is very important,no matter who you are going to stay with.

There are scams out there that say they’re free but have hidden costs so it’s important to do some research – starting with maybe sending them an email to find out more. Don’t let scams discourage you from using some resources that are genuinely meant to help with finances!

I used the free annual credit report service online. They allow you to access the BIG 3 credit bureaus and obtain a report.

I agree there was some unnecessary red tape that you had to go through to complete the process, but I was not disappointed in the end results of the transaction.

The most valuable lesson I learned from receiving the credit scores was finding out how each company differed in their ratings and data they had listed regarding my payment history. For instance, Equifax had details of a charge off from many years ago that I thought my ex husband paid off after we were divorced.

Also, I had a little bit of fun going through their verification process and selecting specific information that related to me or did NOT relate to me. They ask you questions about addresses and purchases in your past and you have to identify what seems familiar, and you have to answer by way of multiple choice.

After you have requested your credit report, be prepared to be contacted by any past creditors that you owe money to . Credit report inquiries do show up in your credit history along with the information you submitted, such as your most recent address and phone number, and the place you applied for credit, if applicable.

After I received my information, I discovered invalid information on my credit history. I filed a dispute regarding a purchase from a mail order company that I did not make. The balance due had been turned over to a collection agency. After I ran my report, I received a letter in my mailbox indicating they wanted to settle the account. It took me three months to get this false information cleared up.

It’s a two way street. If you are trying to hide from your creditors, I don’t recommend drawing the extra attention to yourself. If you are curious about what may be lurking on your credit report, such as false information, I urge you to go now and get your report.