Whenever you want to locate a copy of your credit report, and you see tons of ads for Free Credit Report here and there, but every time you click on a link, you are asked to pay $8.99, or $15.99 or $29.99 or even more! How the heck can you spend that kind of money?
The fact is, by Federal U.S. law, you can get for free and once per year, a free copy of your credit report from each of the three credit bureaus. These are Experian, TRW, and Equifax. Where do you get it? Simply go to http://www.annualcreditreport.com, where you will be able to order online.
Now, what does your free credit report NOT include?
When you get this report, it does NOT include you credit scores. Getting a credit score is usually what we’re all looking for isn’t it anyway? The services do offer credit scores for a fee, and they are allowed to charge for that. But before you go spending money for your credit score, get the annual free credit report, and then check for any mistakes. Get ALL mistakes corrected, wait for 30-60 days, and then get a copy of your credit score. Because if anything was making your score low in error, that will have been fixed.
Good luck with getting your credit report, and use it to clean pu your credit and eliminate your debt! And certainly consider getting your credit score if you really think you need to.