How to Get a Free Credit Report

November 6, 2012 | By More
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How to Get a Free Credit ReportIf there is one word that starts more conversations and invites just about anyone up to a table, it’s the word “Free.”  I remember a specific table event I participated in with a colleague earlier this year.   A section of our table was designated for my stuff.  It included a tri-fold display that opened to show various statements and photographs related to financial education.  I also included some pamphlets and articles on topics like how to teach your kids about money, identity theft, and elder financial abuse.  We also had one of my standards from the FDIC – “Your Guide to Preventing and Managing Overdraft Fees.”

For any of you who have attended conventions or table events, you know there are always freebies out on the tables.  These can take the form of just about anything from pens, pencils, to magnets.  [Another colleague of mine calls these “Chachkies.”]  Anyway, the colleague I attended with to this event was a master at table events and from whom I learned so much!  With that said, one of the freebies we had was a green piggy bank filled with mini snicker bars.  There were probably 40 little bars squashed into this clear-plastic pig.  You wouldn’t believe all the folks that stopped by our table to fill out an informational card to see if they would be the one lucky winner to win that piggy bank full of candy.  It was all great fun, and we had the chance to share the message of financial literacy with many in the community.

Getting something for free is always nice, but it’s even better when the free helps you maintain a great money lifestyle!  You have likely heard the conversation about the importance of periodically getting a copy of your credit report.  In fact, you should obtain a copy of your credit report at least annually. In so doing, you can monitor for errors, potential fraud, and make certain the overall information within the report is accurate.  (We will be doing a lot of Posts on credit reports in the future since this is a super critical topic to nail down in your knowledge reservoir).

If you Google “Credit Reports” numerous options are presented for getting a copy of your credit report.  The trick is many of these require a fee, and since you are part of the new rich, there’s no need to spend money on something you can get for free.  Below is the scoop on ordering your FREE credit report:

1.  Go to

You will notice the site is sponsored by three companies:  Equifax, TransUnion, and Experian.  These are the three major credit reporting agencies.

2.  If you wish to continue, follow the prompts and order your credit report.  You will be asked for your name, address, and Social Security number.  You may be asked a couple of other questions about recent credit activity.  If you prefer, I’ll be covering the topic of credit reports in more detail shortly and you can order your reports at that time.

3.  Once you order your credit report online, you’ll receive it digitally fairly quickly.  Done!

Although we will delve into the topic of credit reports in other Posts, I can tell you this much.  Maintaining a sleek, clean credit report goes hand in glove with obtaining credit, ability to get a mortgage on a house, being offered better interest rates including your insurance premiums, and ensuring you can even get a job.  (A prospective employer will run a credit bureau on you as part of their hiring process!).


1.  You can also watch a short video with Melissa Newton talking about How to Get a Free Credit Report!

2.  Visit the Federal Trade Commission website and watch some entertaining videos – the Apartment and the Restaurant.

3.  Go to and review the “Frequently Asked Questions.”

4.  If you have never ordered a credit report on yourself, now’s the time to do it!  We will be talking about Credit Reports on future Posts shortly.


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Category: Credit, Credit Report

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