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How can I get my credit reports for free?
Posted by Tasha
Q: How can I get my credit reports for free?
A: Everyone is entitled to get their 3 credit reports for free at annualcreditreport.com. This site was set up by the 3 credit bureaus to comply with the Fair Credit Reporting Act. Although it provides a great service, you can only see your reports once every 12 months, which can leave you open identity theft and other issues with your credit report. It also doesn't let you know what your credit scores are—if you want to see your scores you have to pay. Seeing your scores can add up, as it usually costs between $8 and $15 per credit score, and you have 3 of them.
Because of this, you may want to consider signing up for a credit monitoring service. These services will monitor your credit report 24/7 to ensure you are alerted of any suspicious activity, which may indicate identity theft. Additionally, they usually provide you with credit reports and scores. Several of them, including Identity Guard, offer free trials, so you can get your reports and scores for free. And if you don't see value in the service, just cancel within the trial period and you won't be charged at all.
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