Don’t ever sign up to sites such as freecreditreport.com, creditreport.com, or identityguard.com, unless you are only signing up for the free month trial then cancel it. Otherwise, you will be paying them each month. The only true free credit report is at annualcreditreport.com, for the big three “Transunion”, “Equifax”, and “Experian.”
Here’s how to contact them through the different portals:
- Request by phone through a simple verification process: 1-877-322-8228
- Request by mail here.
Personally for me, I will only request for one the the “big three” credit report every four months, hence I can get it free 3 times a year. I also take a advantage of getting a free credit report through my car insurance company every six months whenever I renew. But according to the fair credit reporting act(FCRA) , you can obtain a free credit report at any time simply by stating that you are the victim of identity theft and place a fraud alert in your file. Use these numbers to put a fraud alert:
- Equifax: 1-800-685-1111
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289