How to get a free credit report copy or order a credit report.

You can easily get a free credit report copy sent directly to you with absolutely no fees or charges. Or you can order a credit report online.

If you've been denied credit, you may request a free credit report copy. If a company takes adverse action against you based on the report, you can get a free credit report if you request it within 60 days. Read more information about free credit reports.

Get a FREE copy of your credit report

Check & dispute possible inaccuracies. Detect critical changes and potential identity fraud. Monitor your credit report to catch ID fraud early. Order yours now!

Free Credit Report: An amendment to the federal government's Fair Credit Reporting Act (FCRA), the three national consumer reporting agencies are required to give free credit reports. This allows consumers to access their credit report free of charge once every twelve months. The official, annual free credit report website is annualcreditreport.com

About annualcreditreport.com: It allows you to request a free credit file disclosure (commonly called a credit report), once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Get the latest news regarding credit reports and read our free credit report articles.

Fraud ID Theft Credit Monitoring

Credit monitoring to prevent fraud and ID theft. Use your free credit report to check for and to fix errors to improve scores.

Stolen Credit Card Numbers

Are you one of the 41 million people whose credit card number was stolen? Recover from fraud and identity theft. Learn how to place a fraud alert on your credit report, and get other free tips and advice on how to check for credit report errors, fix and improve bad credit scores.

Improve Credit Score

Easiest way to improve bad credit is to piggyback. You can improve credit scores by being an authorized user on the credit card of some other person who has good credit. Check your credit report and fix errors.

Credit Report Score FAQs

Common Questions and Answers (FAQs) about credit reports (TransUnion, Equifax, Experian) and credit scores. Order a free credit report with no credit card required.

Repair Bad Credit Report

Want to improve credit scores? Here items to avoid and how to repair bad credit report entries. Use our free credit check or order your annual free credit report and fix credit errors.

Credit Score Ranges

Credit score numbers converted to ratings, from high risk bad credit to low risk good credit. Learn what credit score ranges mean for approval or rejection. Don't know your score? Order your annual free credit report or use our free credit check.

Free Identity Theft Help

Free identity theft help resources plus ID theft and fraud survey results. More reasons than ever to participate in credit report freezing and other ID protection tools.

Identity Theft ID Patrol

To combat identity theft, Equifax offers a new prevention tool called ID Patrol(TM). Perform a credit check. Order your credit report to review your score, dispute and fix credit errors.

TransUnion Bankruptcy Risk Management

TransUnion offers financial institutions the ability to identify possible bankruptcy of accounts. Order your annual free credit report to check for identity theft and to fix credit errors.

Equifax APPRO Account System

The APPRO Account System by the Equifax credit report bureau helps financial institutions with new account approval decisions. Order your credit report or use CreditFederal's free credit check to estimate your score.

Freeze Credit Report

How to freeze credit reports. Free advice on who should free credit reports and how to notify credit report bureaus of fraud.

Fix Credit Report Errors Online

Equifax recommends going online to fix credit report errors or to simply perform a credit check review of entries that affect scores.

TransUnion Free Credit Report Monitoring

Credit Checks: When you got a credit report copy, you don't always get your credit score, too.

Christian Loans and 7 Year Debt

A CreditFederal.com contributor asks why are bad credit reports of unpaid debt removed after 7 years, and how does the bible view Christian loan lenders?

Getting Credit Scores

Federal law guarantees you a free credit report annually, but not your actual credit score. To fix credit report errors, first you need to know they exist via a credit check up.

Credit Advice Question

A Credit Federal visitor asked our advice regarding his credit report score.

Identity Theft and Fraud

Credit Report Bureau News: Equifax survey reveals startling data about identity theft, and Experian launches fraud detection.

Equifax Credit Report Score Watch

Watch for credit report errors as well as prevent identity theft. The Equifax credit report bureau offers a new product for consumers to monitor their credit score.

Equifax iScreen

iScreen by the Equifax credit report bureau offers automated credit pre-screening around the clock.

Identity Theft Protection

The Transunion credit report agency helps fight against identity theft and credit fraud.

Know Someone Who Needs Personal Credit or Debt Help?
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Credit Report Bureaus: If you have bad credit or no credit, order your annual free credit report copy to check for credit report errors.

Free tips and advice on how to fix credit report errors and more quickly improve credit scores.

Find out who's been looking at your credit report or trying to steal your identity.

Rate your own credit using our free credit check calculator. Browse for more credit report resources.

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.