Staff Contributor

If you are like so many Americans, you know that your credit score is looming over your head. It's a figure that is essential when it comes to buying a new vehicle, getting store credit, or locking in the best mortgage rate. Your credit score can even determine if you'll get approved for phone or cable service. To help stay on top of your score, you can obtain your credit report. The best part is you can have access to an annual report for free. You just need to know where to look.

1. Go to

You can get your report for free from the top three credit reporting agencies in the US. It's all part of the Fair Credit Reporting Act. You can request those reports once a year, every year. is an authorized agency that can help you to get the information you need from TransUnion, Experian and Equifax. It's important to have all three because they can vary and lenders rely on different reporting agencies to make their decisions.

2. Try for more

You can also sign up for a free report from You have access to monthly updates about your credit standing as well. This is an excellent resource to help you to understand your credit all year.

3. You can apply for your score by mail or phone

If you do not want to get your report online, you can mail an Annual Credit Report form to the Annual Credit Report Service or you can call toll free at 1-877-322-8228. You have access to your report information and can obtain it with ease.

Get your free credit score reports from all three reporting agencies and make it a habit each year. Keep tabs of your scores, look for areas that need improvement and catch mistakes. You'll be able to keep your credit in good shape.


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