The only truly FREE method to pull your credit report

Not sure where you stand with your credit? You may have seen tv or radio ads advertising a website where you can pull a ‘free’ credit report. (you know, the one with the catchy jingle and the guy playing the guitar) What they don’t tell you is that in order to get a free report, you need to sign up for a trial credit monitoring service which could ding you about $15/mo if you don’t cancel during before the end of the free trial.

If you want a true FREE credit report without having to sign up for a credit monitoring service, you can go to AnnualCreditReport.com. It’s the ONLY authorized source of a free credit report that is guaranteed by the Fair Credit Reporting Act. You’re entitled to a free report from each of the three credit bureaus – Experian, Equifax, and TransUnion once every 12 months.

If you’re interested in buying a home on a lease option, it’s important to know what’s on your credit, so pull your report before you go home shopping so you can see what you need to clean up in order to get qualified for a mortgage down the road. Doing a self-inquiry on your credit will not negatively affect your credit score.

You can request your free report online, by phone or by mail. Visit AnnualCreditReport.com, call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281