Free Credit Report: Obtain Reliable Score From Equifax, Experian and TransUnion

Wondering about your credit score?  You can obtain a free credit report once every 12 months from all three major credit reporting companies Equifax, Experian and TransUnion.  There are many fake websites that try to an extra buck, but you must be wary of websites that claim that they could help clean your credit record.

As USA TODAY Money recommended, it is better to obtain a free credit report through a website like www.annualcreditreport.com or https://www.freecreditreport.com/.  These websites offer a free report from all three major credit reporting companies.  USA TODAY also recommends to not contact agencies individually for credit reports to avoid paying fees for the report.  

You will need to provide personal information including your name, address, Social Security number, date of birth and possibly a credit card number to put on file.  Freecreditreport.com offers a free credit report for $1.00 and you would need to unsubscribe from their service within 7 days in order to avoid any monthly fees.

The best way to clean up a messy credit report is to put together a plan of paying off debts.  Learn more about how to repair your credit on www.askdoctordebt.com.