Ask Money

Checking credit reports

Chris Farrell Jun 9, 2011

Question: What is a legitimate and free site to go to for obtaining individual credit report? Hal, Minneapolis, MN

Answer: By federal law, you can get a copy of your report from each of the major credit reporting bureau’s for free once a year. There is only one authorized provider of the service, In other words, ignore TV ads, email offers, and online search results that come up with a different provider offering “free” credit reports.

They’re trolling to sell services for a fee. It’s a good idea to set it up so that you get one report every several months. It makes it easier to monitor your credit throughout the year. But you can get all three reports at once if you want.

You have the right to get a for a free report if you’ve been denied a loan.

As a nonprofit news organization, our future depends on listeners like you who believe in the power of public service journalism.

Your investment in Marketplace helps us remain paywall-free and ensures everyone has access to trustworthy, unbiased news and information, regardless of their ability to pay.

Donate today — in any amount — to become a Marketplace Investor. Now more than ever, your commitment makes a difference.

Raise a glass to Marketplace!

Just $7/month gets you a limited edition KaiPA pint glass. Plus bragging rights that you support independent journalism.
Donate today to get yours!