Credit is important whether you think it is or not. Having good credit can mean the difference between a great loan and a subpar one. It’s necessary if you want to purchase a house or car, get a business loan, access credit card offers, and more. The credit score attached to your name lets lenders know if you are financially stable and how risky it is to lend to you.
It can be a great wealth-building tool or a burden. If you’re looking to fix your credit, you are going to need access to your credit report, but can you get your credit report free? Find out the answer below.
Can You Get A Free Copy Of Your Credit Report?
The first step in knowing your financial picture is having access to your credit report. By looking at it, you can access your score and what’s on your report. You can also note any discrepancies and inaccurate information located within it. If you wondering, if could you get it free, the answer is yes. There are several avenues you can take to get your credit report on demand.
Getting Your Free Annual Report
Everyone has access to an annual credit report that features your score from all three credit bureaus. It’s a federal law that you gain access to this report annually. You can find it at AnnualCredit Report.com, and from now until December 2023, you can access weekly updated reports from the site.
Other Places To Get A Free Report
Aside from the official report, there are many ways to access your credit score. You can go to the individual credit bureaus’ websites to access that information on a recurrent basis. Equifax, for instance, offers six free credit reports per year and will do so until 2026. Experian also offers you a snapshot of your credit.
You can boost your score by giving the website access to your bank account and recurrent bills. You can also get an updated credit score with them.
I also like to use Credit Karma. While it’s not a full report, it gives you a simple snapshot of your credit health, including open lines of credit, utilization rates, outstanding loan balances, scores, and changes to your report. They also give you loan and credit card recommendations based on your credit profile. I have snagged several cards offers this way.
If you’re looking to know more about your financial health or to fix your credit, access to a free credit report is always your best choice! Find out other ways to access your report by viewing the posted video.
Shatel Huntley has a Bachelor’s degree in Criminal Justice from Georgia State University. In her spare time, she works with special needs adults and travels the world. Her interests include traveling to off the beaten path destinations, shopping, couponing, and saving.