Here we will walk you through exactly how to get them.
It is important to note that you are getting credit reports from the reporting agencies,nota credit score.
So essentially you are getting the information behind the score, but not the score itself.
If you do not already have one installed, followour guide for installing a PDF printerfirst.
When you go to AnnualCreditReport.com, snag the state where you current live and click Request Report.
You will need to provide some personal information so fill out the form and click Continue.
When prompted for credit bureaus, select all three and click Next.
Click Next to get your first credit report.
Verify this is correct and click Continue.
Next you will be presented some security questions regarding your credit history.
These are to verify your identity so answer them accordingly and click Next.
Finally, you will get to the credit report.
Note: There are a couple of upsell links on this page.
If you would like to get your credit score, remember it will only be for TransUnion.
after you grab saved your credit report, hit the Return to AnnualCreditReport.com link across the top.
Again, double-check you have saved or printed your report before continuing.
Experian
When you are transferred back to AnnualCreditReport.com, Experian is next on the list.
Experian will require you to initially identify yourself.
Fill in the value as appropriate and click Submit.
On the first step of the wizard, click Annual Credit Report.
Step 2 will confirm your order for the free credit report.
As the final step, Experian will ask a series of verification questions regarding your history.
Answer these appropriately and click Continue.
On the summary page, pick the “Print your report” link on the right side.
This will open a new window containing your credit report for review.
We recommend saving this to a PDF file for your records.
Note: There are upsell links along the bottom.
Equifax will mirror the information you first entered on AnnualCreditReport.com.
Verify this is accurate and click Continue.
The first step will ask the security questions.
Answer these and click Continue.
Step 2 will confirm your order for the free credit report.
Click Submit Order Now.
On the final step, you are presented with the option to view your report.
smack the View / Print Your Report button.
Again, keep in mind this is only for Equifax.
In the View/Print report screen, choose the “Print Report” link.
After reviewing your report, be sure to save it to a PDF file for your records.
Note: There is another upsell link on this page to purchase your Equifax credit score.
after you snag saved your credit report, opt for Return to AnnualCreditReport.com link across the top.
AnnualCreditReport.com will now show you have visited all three reporting agencies.
Click Close to finish.
Conclusion
Keep in mind, this process can only be run for free once a year.
