Get Free Credit Report Online Service

The set of all business transactions which have been done within a financial year like advances and repayment history is referred as Credit Reporting. This report further assists in calculating credit score and debt burden report and on the basis of this analysis, a future plan is made for a company or for an individual that how much more loan can be taken in next financial year. This free of cost credit reporting facility is being offered by United State Government to get help from the three best organizations Trans-Union, Experian and Equifax. This facility is now available for all its citizens who are living in United State.

Whereas, it is pertinent to narrate here that you can avail this facility free of cost once a year since it is not possible for all these companies to provide without the certain sum of amount.  It is the idea of some people that these credit reports are totally free of cost. Yes, it is true, but when you are requesting to get a report from these companies. First few pages will be downloaded free, but for the complete and comprehensive report, you have to pay a certain sum of amount.

In order to get free of cost credit report by having an online facility, you have to fulfill online form and some essential information by adopting the following steps:

Steps To Get Free Online Credit Report:

  • Go to the link and access the official page with the help of web browser.
  • On its main page, click on the icon “Get Your Free Credit Report” to further proceed for providing necessary information.
  • On the next window, information will be asked in 4 different steps that need to be fulfilled.
  • In the first step, provide your first and last name. Middle initial and Suffix.
  • Next, provide zip code, city, state, phone number and email address which are essential in the first step.
  • In the last, select the reason for checking credit report from the drop-down list and click on submit and continue button.
  • You will then be proceeded to next step # 2. Similarly, complete all steps and finish to see your final credit report.

Important Note:

Whenever you want to get the free credit report, you have to sign up for trial membership available on the site. If you do not cancel this membership within the 7 days, you will be charged with certain some of the amounts that you have to pay within a month.


What is the best site to get a free credit report? is the centralized site where every consumer gets access to their free credit report granted by Federal law. It's the only website that allows you to access each of your credit reports from all three of the major credit bureaus: Equifax, Experian, and TransUnion.

Is FreeCreditReport com a safe site?

In my humble opinion, isn't a scam. They tell you up front exactly what you're getting into, and they honor their end of the bargain. You're signing up for a free trial of their credit monitoring service, which comes with free access to your Experian credit report and credit score.

Where can I get all 3 credit reports for free?

You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from, the only authorized website for free credit reports, or call 1-877-322-8228.

Is FreeCreditReport com really free?

"Almost Free" Credit Report If you choose to get your credit report including a FICO score from the site, will charge your credit card with a fee. Both the report and score come from your data reported to Experian, one of the three major credit bureaus.

About the author

Barbara Kollmeyer is an editor in Madrid. Follow her on Twitter @bkollmeyer.

Barbara Kollmeyer