AnnualCredit® and How to Get a Free Credit Report®

It’s been a while since I’ve checked my credit history so today I decided to get my free credit report from®.  For those not familiar with it, it’s a website that the three credit reporting agencies (Experian, Equifax, and TransUnion) have set up based on a requirement from the Fair Credit Reporting Act.  Using this website, you can link to the three agencies and get a free copy of your credit report from them once a year.


Bear in mind that once you link to one of the agencies, they will try everything in their power to entice you to spend money for other products (credit score, customized reports, etc.).  You don’t have to do any of this.  Stay focused.  Just keep following the small links to get your free report.  I always save the report as a pdf file.  If you don’t have adobe creator then just copy and paste the html page to a Word (.doc) or Text (.txt) file.

Beware of Unofficial Websites Like FreeCreditReport.Com

As you’re probably aware of, there are many website out there that will sell you your credit report.  Here’s a word from the Federal Trade Commission on these unofficial sites:

“Many other websites claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring.” But, be careful. These sites are not part of the official annual free credit report program. And in some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period ends. If you don’t cancel during the trial period, you may be agreeing to let the company start charging fees to your credit card.

These sites often look like the official site at®. Some use terms like “free report” in their names; others have website names that purposely misspell® in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.”

Get Your Credit Report Three Times a Year for Free From AnnualCreditReport.Com®

Since the three nationwide consumer reporting agencies are all required to provide you with a free copy every year, it’s a good idea not to pull them all at once.*  Instead, it might be best to get your free report from each of the agencies at varying times during the year.  For instance, you could pull one in late January (shortly after the holiday season), another in July (after returning from a vacation), and the last sometime in the fall (just for kicks).

*If this is your first credit history check or you are about to apply for a mortgage or you suspect fraud in your credit history then you will want to get all three at once.  The three times a year method is just for general monitoring purposes.

So, what about your credit score?  Can you get that for free? Learn how by visiting our free credit score providers page.

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  1. have many errors on my report,and do not know how to correct them.I find the “too many inquiries” comment odd,as anyone doing financial activity on more then one property gets stung with this.Why should an inquiry be negative?

  2. JonBenner says

    So, I’ve read that each time you run your credit report, it can affect your report negatively. How do these three free credit requests affect it? Also, what about the credit score sites mentioned? Am I hurting our score each time I check it?

    • Philip Taylor says

       @JonBenner Great question. Checking your own report or score will not affect your credit. All sites mentioned above will not affect your score.

  3. Dave Wilson says

    One last item, the link above doesn’t work as it forwards you again to the wrong location. You will have to backspace over the index.jsp.

    Okay, that’s it, I’m done. I hope that helps folks.

  4. Dave Wilson says

    Sorry, leave the “/” after “cra”, so the correct link is

    Sorry for any confusion.

  5. Dave Wilson says

    I found the problem to “A condition exists that prevents us from being able to accept your request at this time.” When I navigated to the site by typing it took me to the address which showed the error. Just backspace over the “/index.jsp” so the address ends in “cra” and it should work.

    I think this is an ISP DNS issue.

  6. I cannot access I get a white screen with the following message:

    “A condition exists that prevents us from being able to accept your request at this time.

    Please visit this website again at a later time, or to request delivery of your free annual credit report via U.S. mail, call (877) 322–8228.

    Thank you.” Anybody else getting this message? It started when I upgraded to Windows 7 on October 22, 2009. It previously happened to me two years ago (when I upgraded to Vista) – that lasted several months, then just started working. I assumed the website had a compatibility problem with Vista and finally resolved it. Anybody else having this problem?

  7. I was just browsing – but such great content here. Reading this post strikes me of one very common omission when managing your credit checks.

    It is correctly put that everyone should know their own credit history and manage it prudently with an even better managed lifestyle – credit cards, mortgages, family life, etc.

    But I’m always horrified when advice goes the way of using credit services and authorising numerous agencies or people to have access to your credit scores. Here’s what always happens to your info/credit score:

    1) numerous credit checks will always cost you credit points – e.g. 10 people/agencies checking up on you over a short period of time could cost you 10 x 5 points = 50 points deducted from your score.
    Imagine shopping for a mortgage and then finding out that your credit score will cost you 2% more for your mortgage! Simply use one mortgage specialist who does only one credit check and shops for the best deal for you.

    2) Giving your sensitive personal information to say a car salesman (who will do a credit check and hurt your credit score even more and whereever else that your information may end up); or other credit agencies, be very certain your personal information is NOT 100% secure! There are a number of situations that your information can become available to special queries – this is a HUGE privacy concern.

    3) You’ll start to concern the lenders and simply reduce your bargaining power for better rates and terms.

    Just remember that you can do the checks yourself and do it free of charge without credit score penalty. Actually, a good bank officer or a broker can actually help you reliably and yours and their integrity remains intact.

    I hope this helps someone as I have had similar personal disasters and helping others overcome it takes so much time, effort and a lot of nail biting.

  8. Thats true!!! “” does give you a free credit report and there are no hidden offers or services which you need to signup.

  9. I cannot access the website My home is located in the central USA (not overseas). I just get a white screen with the following message in black letters:

    “A condition exists that prevents us from being able to accept your request at this time.

    Please visit this website again at a later time, or to request delivery of your free annual credit report via U.S. mail, call (877) 322–8228.

    Thank you.”

  10. DebtKid – I do know that the Karma score is not a FICO score, but is cloned after FICO. See the MyMoneyBlog article I linked to for more on what that means.

    As for the score, they state that it is not an estimate, but an authentic credit score.

    I think as long as you are simply using these tools for “monitoring” purposes (which is their intent) then they provide an excellent service.

  11. I’ll have to check those sites out. I would caution people though, those are not going to be your ACTUAL credit score, but just estimations. Am I wrong?