Reader Question: How do I order my free credit report?

Posted by Joe on April 10th, 2008

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This is a post in our “Reader Questions” series where we publish actual question from our community. Ask your own question by visiting our contact form.

Q: What is the best way to receive my free credit report?

A: The Fair Credit Reporting Act (FCRA) allows you to receive one free credit report per year from AnnualCreditReport.com. Credit reports can be requested online or by phone. If you request a credit report online you will receive it immediately, but those requested by phone will take up to 15 days to be processed. Learn more more by visiting www.annualcreditreport.com.

If you would like to receive more frequent access to your credit report and credit monitoring that will alert you to any changes in your credit report as they occur, we suggest you consider a credit report monitoring service. Equifax with Score Power which offers monitoring of your credit reports with all three credit bureaus plus access to your Equifax credit reports and FICO score.

You can learn more about Equifax with Score Power and other credit report monitoring services by visiting our comparison of credit report monitoring services.

• Reader Question: Which credit report monitoring services provide ongoing credit report and score data?
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• Reader Question: Am I entitled to a free credit report each year?
• Reader Questions: Is there a free on line credit report service that has no trial or any other hidden fees?
• I understand that I am entitled to 3 free credit reports per year. How do I get this service?