About Real Car Tips
Profile Pic
Find the Best Car Deals Near You ⤵
GuideCar Loans

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.

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...

  • Best Rebates, Incentives, and Lease Deals
  • Latest Car Buying Scams and Tricks
  • The Best & Worst Time to Buy a Car
  • Which Cars You Should Avoid

(Absolutely NO SPAM, easy to unsubscribe)

About The Author

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.
Got a Question About This Article?

Your Zip Code: