It used to be (and still is) that you could get a "Free" copy of your credit report if you were turn down for employment or got denied some kind of credit. (credit card, home loan, etc.) The Fair Credit Reporting Act (FCRA), requires credit bureaus to report information accurately and to remove or correct credit report information that is outdated or inaccurate. This federal consumer protection law also requires credit reporting agencies, under certain conditions, to provide you with a free credit report.

The three national credit reporting agencies are Experian, Equifax and Trans Union. We recommend that you request a report from each credit reporting agency. Here’s why: mistakes or inaccuracies impact millions of Americans and can have a very negative impact on your credit – even though the information reported is not accurate. Experian, Equifax and Trans Union are three entirely different companies. That’s why you need a copy of all three of your credit reports to make sure they are all reporting accurate information about you. If you find inaccuracies on your credit report, you can take immediate steps to correct your report.

Here is how you get a "Free" credit report without hurting your credit. Click here to start the process. You will go to a page that will let you receive a copy of your credit report free online or by mail. They let you try the credit monitoring free for 30 days. Anytime before the end of your trial offer you can call a number and cancel the trial memebership. There is no obligation and this offer is risk free for the first 30 days. If you find that the credit monitoring service is something that you like there is a small monthly or yearly fee.