How to receive free credit reports?

Question by Ricky: How to receive free credit reports?
I require credit scores for a loan approval however updating it monthly is certainly costly.However,I like to recognize the methods to receive free credit report.Is there any means?Please aid…

Best answer:

Answer by Steve D
You may receive the free credit report when a year at – over when can expense we except we receive turned down for credit. Scores are not free.

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  1. you can only get free credit report but not your credit scores that you still have to pay for
    so if you want your free credit report you can go to
    you will get your credit report but it will NOT show your score

  2. pulling your own credit scores is pointless lenders lend because they want to and they use their own formula for scoring. borrow and pay back as agreed is the only way to get a good score

  3. Creditors use FICO scores. They are the only scores that matter. The only place consumers can get real FICO scores is You have to pay.

    Third party monitoring services use Fakko scores. All three credit bureaus now sell consumer non-FICO scores that are a different scale. You cannot compare any of these scores. offers a free score estimator based on your TransUnion report. It is not FICO but within 50 points or so. Good enough if you are tracking your score. You really don’t need to check your score monthly. It simply does not change that much in such a short period.

  4. Annual Credit Report
    You are entitled to one free credit report every 12 months from each of the three credit bureaus. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each company one at a time. I recommend that you stagger the requests for the free reports, requesting one report from one bureau every four months. This allows you to get free reports periodically, not letting a full year go by without checking your credit report.

    Select an online service for a free report with score
    You are correct that the reports furnished by Annual Credit Report do not come with a FICO score. There are ways to get a credit report with a score without paying, but the only way to get a credit report with a score without paying is to sign up for one of the service online, such as Go Free Credit. While these companies ask for a credit charge and do charge for credit monitoring services they provide, it is possible to get a free credit report and score and then cancel any service you signed up for before the trial period ends. You have to pay an initial fee, but I believe all costs are fully refundable, if the service is canceled before the end of the trial period. It makes sense to look into the services offered before canceling, as you may find that the services are worth the fee.

    Free credit report when turned down for credit
    You are also entitled to a free credit report if you are turned down for credit, in most cases. If you are denied credit, employment, or insurance, because of something that appears in your credit report, the firm that turned you down must inform you which bureau provided the derogatory information on which they based their decision to deny you. If this happens, then you are entitled to a free credit report from that bureau within 60 days of being turned down.

    When you contact the bureau to request your free credit report, let them know that you are requesting the free report because you were denied credit, a job, or insurance. The credit bureau will check to see if it was the bureau that provided the derogatory information

    You also are entitled to a free credit report if you are receiving welfare, if you are unemployed looking for work, or if you are working to rectify errors on your report that resulted from identity theft. Unfortunately, the credit bureaus are not required to provide a score in these cases.

    I hope this information helps you Find, Save, and Learn.


    The costs of purchasing a report with a score from the bureaus vary state to state. If you contact the bureaus directly, they will tell you how much it costs to get a report with score in your state.

  5. It is very important to understand different sections of your example credit report. The best way to find out the different sections of your credit history report is to look through a sample credit history report and find out the most important parts of it. The common trend among people is to make an estimate of the credit score with the three digits shown in the report, but it is also important that you should understand the different parts of your sample credit report.

  6. still can’t find site without signing up for trial

  7. Noddle if free but they charge 30 pound a year for your score. They will show you update score every month.
    But avoid as this is a con site in which they will ask for your credit card details before they will show you your credit report. They never give you your credit report but will will take 20 dollars out of your bank account every few days until you relise what’s happening.