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How to Obtain Your Credit Report for Free

Thanks to the Fair Credit Reporting Act, you are entitled to obtain a free annual copy of your credit report from each of the three major credit reporting agencies (Experian, Equifax, and TransUnion).

Your credit report lists all of your past borrowing history and whether you paid on time, had any late payments, or declared bankruptcy.

It's important to see your credit report in case there are mistakes which could affect your credit score. Side note: a credit report is not the same thing as a credit score ( See: How to Obtain Your Credit Score for Free )

To get your free credit report, you will need to visit AnnualCreditReport.com

The whole process only takes a couple of minutes and you get access to all 3 of your credit reports. I recommend you look at all three because each one is presented a little differently and they may not all have the same information. It's important that you check each one for mistakes.

Equifax Credit Report

Equifax tracks up to 7 years of credit history and shows specific months you were late on any payments.

Equifax Credit Report

TransUnion Credit Report

TransUnion has the nicest presentation, showing a history of each account and highlighting any late payments.

TransUnion Credit Report

Experian Credit Report

Experian needs to work on their presentation a bit, but they do have credit history going back 10 years and they highlight any problems that may negatively affect your credit score.

Experian Credit Report

Go to AnnualCreditReport.com to get your free credit report.

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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