How to Get Your Credit Report

Where to get your credit report? 

There are many places online and in real life where you can get your credit report or credit file. Some of these places make it quite easy to get your credit report while others will require you to pay a fee for no reason.

It is your choice on where to get your credit report, but this article will provide you with the information you need to make the choice that's right for you.

Many people like to use an online service called creditkarma.com.

Credit Karma does is it provide you with two of your three credit reports including your Equifax credit report in your Trans Union credit report. Credit karma does not include the Experian report if you are using Credit Karma you may also consider using free credit report.com in order to obtain your Experian report in the same manner.

So, for those of you who wish to look at your credit file at this moment, you should use one or both of those services to review all three of the major credit reporting agencies credit reports on you. Now you must understand that those reports are not your actual reports and then some information may not be included and some information might not be up to date. 

The most official and therefore one of the best methods to get your credit report is to go to annualcreditreport.com.

This is a free service set up by the big three credit reporting agencies to allow you to directly pull your own credit reports once a year for free. If you live in the state of Georgia and in several other states you may be able to obtain additional credit reports for free.

Many people use banks that may also be able to provide you with a free credit report. I have heard of this before, so if you are with a large Bank You may wish to inquire if they have any free credit monitoring or credit reporting services. Please notice that I used the word free. You should never paying for your credit report or the ability to monitor your credit report, in my personal opinion.

So to recap I believe the best method to obtain your credit report is from annualcreditreport.com. I think the second best method is likely using the free online services of Credit Karma and or freecreditreport.com. The last option would be to check with one of your Banks to see if they offer this the free service.

The last time Shannon and I mean the very last option is to pay someone to give you something that is for free. I will not point you to any direction like that because those guys are most likely advertising very heavily to get you to pay them money which you should not.


I hope this article has been helpful and if you find something that is incorrect or inaccurate on your credit report please contact my office or read one of the Articles to see how we can best assist you.

Joseph McClelland

Joseph McClelland is a husband and trial lawyer. Graduate of Loyola University New Orleans School of Law. He currently practices Fair Credit Reporting Act, Telephone Consumer Act, and the Fair Debt Collection Practices Act litigation. Earned the designation of Advocate by the National Institute of Trial Advocacy.

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About the Author

Consumer Attorney that fights big businesses on your behalf. Started his career in international human rights before eventually finding his true calling in consumer protection law. He is a husband and trial lawyer. Most of his work involves credit reporting errors, robocalls, and identity theft. His law practice is in the Atlanta/Decatur area.