How to Get All 3 Credit Reports for One Price

Under the Fair Credit Reporting Act, the three nationwide consumer-reporting companies---Equifax, Experian and TransUnion---are required to provide you with a free copy of your credit report once every 12 months, according to the Federal Trade Commission (FTC). The three reports can be accessed from one website.

Instructions

1

Go to Annualcreditreport.com. This is the only authorized website permitted to provide free credit reports in one place from all three reporting companies. Reports can be ordered and printed together or obtained separately. You'll pay a charge only if a report has already been obtained within the past 12 months.

2

Enter your personal information to verify your identify. First, select the state in which you live. Then enter such data as your full name, address, Social Security number and date of birth. The credit reports can be viewed immediately upon authentication of your identity.

3

If you feel uncomfortable revealing your personal information over the Internet, you can find a toll-free phone number and address on Annualcreditreport.com to request your reports by phone or mail. If you do the latter, the reports will be mailed to you within 15 days.