6 Ways to Get a Free Credit Report

Two people are sitting on a bed and looking at papers next to an open laptop.

Image source: Getty Images

Are you eligible for a free copy of your credit report?

Key points

  • Regularly reviewing your credit report is a smart move.
  • Through 2023, consumers can receive a free copy of their weekly credit report.
  • Other situations in which it is appropriate for you to obtain an additional copy of your credit report include if you are on public assistance and if your identity has been stolen.

you credit report important Its content can determine what financial opportunities you are eligible for, such as whether you are approved for a new credit card or qualify for a mortgage loan with a low interest rate.

Because of this, it’s important to review your credit report, get it anyway reporting error corrected, and do your best to make a careful financial decision. Previously, consumers could only access free credit reports from each of the three major credit bureaus annually.

Good news: You can now access your Weekly credit report throughout 2023. All three credit bureaus continue to extend the availability of free weekly credit reports throughout the pandemic.

But that’s not the only way to get a copy of your report. The Fair Credit Reporting Act (FCRA), which was established to protect consumers and their personal credit information, outlines several ways consumers can qualify for a free copy of their credit report.

Here are six ways you can qualify for a free credit report.

1. A company takes adverse action against you

If a company has taken adverse action against you (such as denying you credit approval) because of information on your credit report, you have the right to a copy of your report.

2. You are a victim of identity theft

If you are a victim of identity theft and a fraud alert has been placed on your credit file, you are eligible to request a copy of your credit report.

You should put a fraud alert on your credit if you suspect fraud. You can do this by contacting one of them three credit bureaus. They are required to notify the other two bureaus on your behalf.

3. Your file contains inaccurate information due to fraud

Credit reporting errors can and do happen. This can happen by accident or due to fraud.

If there are errors on your credit report due to fraud, you can request a copy of your credit report. You can then take steps to fix the error.

4. You are on public assistance

Another reason you may qualify for a copy of your credit report is if you are on public assistance.

5. You are unemployed but hope to apply for a job soon

Are you unemployed but planning to apply for a job in the next 60 days? You have the right to a copy of your credit report.

Some employers do credit checks on potential employees, so reviewing your report is not a bad idea to make sure the information is accurate.

6. You are entitled to a free annual report from each credit bureau

As mentioned earlier, users usually get a free copy of their credit report from each credit bureau annually. However, you can now get a copy of your credit report from each credit bureau every week.

Although you probably don’t need to do this weekly, it’s good practice to check your report and get a copy every few months while this service remains available at no extra cost to you.

Don’t ignore your credit

If you are going through a difficult time financially or have made financial mistakes in the past, you may be tempted to ignore your credit. But that’s not the best move to make.

It can be scary to face the facts — especially if they are already uncomfortable. But you can’t change your situation for the better if you don’t acknowledge where your finances stand and make a plan for positive change.

You can improve your credit and improve your credit score by making smart money like paying all your bills on time and paying off existing debt.

Remember that your current financial situation doesn’t have to last forever. There is always room for growth. Check this out personal financial resources for tips to improve your financial situation.

Beware: The highest cash back card we’ve seen today has 0% intro APR until 2024

If you use the wrong credit or debit card, it can cost you money. Our experts love it this top pickwhich has a 0% intro APR until 2024, a cash back rate of up to 5%, and all with no annual fees anyway.

In fact, this card is so good that our experts use it personally. Click here to read our full review free and apply in just 2 minutes.

Read our free review

Leave a Reply

Your email address will not be published. Required fields are marked *