How to Get a Free Credit Report Online

In past, people used to pay some extra money for viewing their credit reports online. However, with the increased market competition and the trend of high customer services, institutions have been forced to provide this facility free of cost. According to federal laws, every person is entitled to receive one copy of his/her credit report at least once in a year. However, this cannot match the level of convenience offered by the online availability of credit report; which makes it easier for everyone to check and analyse the report anytime they want.

The real problem that some people face is the lack of knowledge about their rights and there is a strong need to educate them about it. Some people believe that once their loan application is rejected, they are not entitled for any online credit reports, which is not the case. It does not matter if your loan application gets rejected a single time or multiple times, you can still access your credit report, not to mention, some states have made this a law that every person can access his/her credit reports online for free.

This article will guide you through the process of getting a free credit report online.


  • 1

    It is strongly recommended that you should only visit the official website of ‘annual credit report’.

    Note that it is the only official link that gives free credit report to the people, as it is authorised by the government. Thus, you must not fall for the fake websites and save your time and resources.

  • 2

    You can also obtain the contact information from their website and order the credit report to be delivered at your doorstep.

  • 3

    In order to access it online, you will have to enter your login details and the report will be made available to you. The login details are provided to people after they register on the website.

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