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How to get your FREE credit report

Why do I need to get my credit report?

Your credit score is a vital part of your financial life. But good credit today extends well beyond just the financial aspects, even impacting your day-to-day personal and professional pursuits. Your credit score will play a large role in your ability to:
  • Get a Job
  • Get a Promotion
  • Rent an Apartment or House
  • Get a Mortgage
  • Get an Auto Loan
  • Get affordable Insurance
  • Get a Credit Card
  • Get a Low Interest Rate
  • Open a Bank Account
  • Own Your Own Business

  • No surprises and no errors!

    Regular review of your credit report, especially if you plan to make a major purchase in the near future, eliminates guesswork, bad surprises and allows you to correct errors before lenders and decision-makers see them. Know what your credit score is, know what's in your credit history, and learn what it means. Regularly check your credit score and review what’s in your credit report at one of the free online credit report companies every six months to a year. In knowing what is on your credit report you will see what others see, and can plan the steps necessary to correct and improve any credit deficiencies. Some items on your report can be immediately corrected, but others just take time.

    Where can I get a FREE copy of my credit report?

    Since 2003 Federal law (through the Fair and Accurate Credit Transactions Act / FACT Act) has guaranteed every consumer one free credit report every 12 months from each of the three major credit reporting agencies:

  • Equifax
  • Experian
  • TransUnion

  • Residents of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont are also entitled to a second copy of their credit report annually through state laws.

    Your first free report each year should come from www.AnnualCreditReport.com - the official government-sanctioned site for obtaining free credit reports. If you live in one of the seven states that provide for extra free reports each year, you must contact the three major credit reporting agencies directly to request the additional report:

  • Equifax - www.Equifax.com/fcra - Select "Free State Credit File (not denied)".
  • Experian - www.experian.com - You must call (866) 200-6020 to request their extra free credit report through US mail.
  • TransUnion - www.transunion.com - Refer to the "Learn More About Getting Your FACT Act Free Credit Report" page.

  • Credit monitoring, credit report fraud and identity theft protection services

    There are several reputable online companies that offer additional credit monitoring, credit report fraud and identity theft protection services for a fee, like:

  • Fraud Alerts and Fraud Protection
  • Identity Theft Protection
  • Inquiry notifications
  • Credit File "Freezing" so no one can access your credit report without your permission
  • Unlimited access to your Credit Report so you can review it any time
  • Periodic monitoring of your Credit Score
  • Alert notifications if your credit score goes up or down
  • Monthly Statements with your Credit Score and a summary of key financial information
  • Around-the-clock access to a Fraud Resolution Specialist in case your identity is stolen

  • For more information on these available credit reporting and identity protection products, please visit:

  • Equifax
  • Experian
  • TransUnion

  • Get started NOW!

    Complete our FREE, SECURE, No-Obligation Auto Loan Quote to get started. Let the strength of our extensive network of auto lenders and dealerships go to work for you. Get the Auto Loan you need to get your next vehicle TODAY.


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