How can I request a copy of my credit report for free?

If you’re a resident of California, you can take advantage of one way to get a free copy of your credit report. Under California’s credit repair law, you can request a free copy of your credit report once every 12 months from each of the three major credit reporting bureaus: Equifax, Experian, and TransUnion. To take advantage of this free service, you’ll need to visit annualcreditreport.com. This site is mandated by the federal government and allows you to securely request a copy of your credit report in a matter of minutes. Once on the site you will be asked to provide some information about yourself such as your name, Social Security number, and current address. The site will then confirm your identity and allow you to request your free copy of your credit report. Another option is to request a free copy of your credit report directly from the credit bureaus. You can call or mail your request to each of the three bureaus. However, if you’re in California, it’s best to take advantage of the free credit report from annualcreditreport.com as it’s the most secure and easiest way to get your free credit report. Whether you choose to use annualcreditreport.com or the bureaus’ websites to request a free copy of your credit report, make sure you review and understand the information in each one. Be on the lookout for any errors or inaccuracies that could be hurting your credit score. If you find any, you can take the necessary steps to get them removed. Credit repair law in California entitles you to get a free copy of your credit report and to dispute any errors found.

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