You may also be asked a security question to ensure the validity of your identity, like how much your monthly mortgage payment is, but these questions vary depending on the company. If you’ve recently moved, you might also need to provide your previous address. In order to get your free credit report, you will need to provide your: Here's what information you'll need to provide The credit reporting companies also have a joint toll-free number you can call or a form that you can fill out and mail to the Annual Credit Report Request Service. If you prefer, you can also obtain your free annual credit report by phone or through the mail. Get a Free Credit Report By Phone Or Mail If you encounter any such email, pop-up message or phone call, you should report it to both the FBI's Internet Crime Complaint Center ( IC3) and the Federal Trade Commission at. You should also be aware that the official credit report website will never email you asking for your personal information. In even worse scenarios, these sites will purposely use a misspelled version of “” to trick you into divulging your personal information. Some sites will claim to be free, but convert into a paid service after a trial period. There is only one site authorized to provide this information to you, and any other company claiming to offer free credit reports or scores are not under the legally mandated free annual credit report program. While it’s convenient to be able to get this information online, it’s also important to beware of imposter credit reporting websites. Some experts recommend staggering your requests over the 12 month period to keep an eye on your credit, others say requesting them all at once can help you find any inaccuracies. You can order all three at once, or you can request them at different times. The three nationwide credit reporting companies set up a central website,, for easy access to your report. So, how can you access your free credit report? Here’s a guide to ordering yours. That can affect your ability to rent a house, apply for credit or get a job in the future. Thieves can use your Social Security Number or credit card number to open a new line of credit in your name and fraudulently use your identity. For this reason, it can also help protect you from the damages of identity theft. Having access to this information yourself allows you to ensure that everything is correct and up-to-date. Nationwide credit reporting companies sell this information to creditors, insurers, employers and other businesses to evaluate your applications for credit, insurance, employment or renting a home. Your credit report details where you live, how you pay your bills, whether you’ve been sued or filed for bankruptcy. Thanks to the Fair Credit Reporting Act (FCRA), you are allowed a free copy of your credit report from each of the bureaus at your request once every 12 months. Can You Really Get a Credit Report For Free?
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