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Free Copy of My Credit Report

The official government website is located at You will receive a free credit report but will not receive your credit scores.

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Everyone is entitled to a free copy of their credit report once every 12 months from the government free website listed above. This will not include your credit scores.

Free Federal Credit Report

The three credit bureaus (Equifax, Experian and Trans Union) have created a centralized site ( where you can request your free credit report from each credit reporting agency. This will not give you your credit scores but you will be able to view what is in your credit file so that you can begin to correct any problems that may be holding you back.

You can order all three credit reports at one time or you may order your credit report from one bureau and then get one from another bureau several months later.

If you order all three at one time then you can compare your credit history at one time. Why is it important to get a copy from all three bureaus? It is not uncommon for a creditor to report your credit items to only one of the credit bureaus. If you get a copy of your free federal credit report from just one reporting agency then you may miss some items on your credit report that may need attention.

State laws for some states provide for consumers to get a free copy of their credit report. At this time the states that have such laws are: Georgia, Massachusetts, Colorado, Maryland, Maine, New Jersey, and Vermont.

As you acquire new credit and make payments on your existing credit your credit history will also change therefore it is good to get a free copy of your credit report as often as you are allowed. This way you won't have any surprises the next time you apply for credit for something you really want; like a new car or new home.

Reviewing your credit report over time will allow you to understand how your financial habits are impacting your credit scores.

If you already have a copy of your free credit score report and want to learn how to read it, how to write dispute letters or learn more about how to improve your crdit scores, visit: How To Fix Credit .

If you are a landlord, ask the prospective renter to get their own "free copy of my credit report" and provide a copy of the report to you for review; saves money for all.






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