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.

When pulling credit from different sources and websites, it is important to analyze all options and ensure the information will be accurate. Most individuals need to know their credit score in order to apply for certain loans, credit cards and to complete certain legal forms. For this reason, it is very important to know your credit score. There are a few main ways to check your credit score. 


Using websites such as annualcreditreport.com, creditkarma.com, freecreditreport.com allow users to check their credit easily. Each websites differs in their approach to credit check, therefore it is important to understand how to check credit on each website. It is possible to pull your credit report with ease and convenience.


Pulling Credit Report from annualcreditreport.com

In order to pull a credit report from annualcreditreport.com, they require users to go to their website. Once on the website, users should follow the prompts on the website prompting them to enter their information such as their first name, last name, email and zip code.

This website is safe and secure so users do not need to worry about a breach in security. It is very important that a website is safe when entering your personal information such as name, address or social number. After users enter their first name, last name, email and zip code, they will be taken to another screen.

They will then be asked to confirm certain information such as address and other security questions to ensure they are the one inquiring about their credit score. It is important to ensure that someone is not impersonating them, attempting to view their credit score.

Pulling Credit Report from creditkarma.com

Pulling credit from creditkarma.com is also simple and hassle free. When pulling credit from creditkarma.com, users are required to visit their website. Once on their website, users will see a tab that says "see my score." Once users click on that tab they will be redirected to a page that allows them to enter brief information such as first name, last name, email and zip code.

They will also be prompted to create an account with the website to ensure they have the right name and number. Creating an account with the website ensures that they have a databases of the user's information and can send them important updates regarding their account and send them updates about programs and other specials.

Once users create an account and enter basic information, they will be able to then select the type of credit report they would like to receive. 

There are three major credit reports available when checking your credit report. Most reputable credit checking sites provide all three types of credit reports. This is an important aspect when searching for credit reports.

Pulling Credit Report from freecreditreport.com

When pulling credit from freecreditreport.com, it is important to first visit their website. The first step involved is visiting their official website. Once on their website, users will immediately see a prompt requesting for their basic information so they can check their credit score.

Basic information includes name and address. These are important pieces of information when checking credit reports as a result of their ability to identify the user. The main purpose of this information is to identify who the user is.

Once the user is identified, they can begin to check their information with credit agencies. This is a very important step to understand. Once the user can be properly identified, they are able to then move forward with the process. This is an important factor to ensure that they match the correct person with the correct report.

Once the credit report has been pulled, users have the option to pull credit from three different sources. There are three major credit reports available for public view. For this reason, it is important to select which one the users would like to receive.

In many cases the user would like all three credit reports so they can review them. In this case, it is important to understand. what each credit report is and how they work. The three credit reports include findings from Equifax, Experian, and Trans Union.

You are able to receive free credit reports from these agencies to ensure you are benefiting from all the faucets available to you to check your scores easily and conveniently.

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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